VP of Credit Risk & Analytics

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    "description": "<p><span style=\"font-size: 14pt; font-weight: bold\">VP of Credit Risk &amp; Analytics - US (Remote)</span><br></p>\n<p><br><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Why this Role Matters:</span></p>\n<p><span>At </span><span>Greenbox </span><span>Capital, </span><span>we </span><span>help </span><span>small </span><span>businesses </span><span>thrive </span><span>by </span><span>providing </span><span>fast, </span><span>accessible </span><span>funding. </span><span>As<br></span>the VP of Credit Risk &amp; Analytics, <span>you </span><span>will </span><span>play </span><span>a </span><span>critical </span><span>role </span><span>in </span><span>shaping </span><span>how </span><span>we </span><span>make </span><span>credit </span><span>decisions, </span><span>manage </span><span>portfolio </span><span>performance, </span><span>and </span><span>drive </span><span>risk-</span><span>adjusted </span><span>revenue.</span></p>\n<p><br></p>\n<p><span>You’ll </span><span>own </span><span>the </span><span>full </span><span>credit </span><span>lifecycle - </span><span>from </span><span>strategy </span><span>and </span><span>pricing </span><span>to </span><span>portfolio </span><span>health </span><span>and </span><span>performance—</span><span>ensuring </span><span>our </span><span>risk </span><span>approach </span><span>supports </span><span>sustainable </span><span>growth </span><span>and </span><span>strong </span><span>financial </span><span>outcomes. </span><span>Your </span><span>work </span><span>will </span><span>directly </span><span>influence </span><span>profitability, </span><span>capital </span><span>efficiency, </span><span>and </span><span>long-</span><span>term </span><span>scalability.</span><br></p>\n<p><br></p>\n<p>This role reports to the Chief Operating Officer and leads the Risk &amp; Analytics function.</p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What Success Looks Like:</span></p>\n<p><span style=\"font-size: 12pt\">Here’s how your time might break down (actual time can shift depending on business needs):</span></p>\n<ul>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Credit Strategy &amp; Portfolio Ownership</span> – Driving portfolio performance, risk appetite, and policy direction</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Pricing Strategy &amp; Optimization</span> – Balancing competitiveness and profitability across segments</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Cross-Functional Leadership</span> – Aligning credit strategy with Finance, Product, Sales, and Underwriting</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Decision Accountability &amp; Performance Oversight</span> – Ensuring analytics and data teams deliver business impact</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">How you’ll be measured:</span></p>\n<ul>\n<li><span style=\"font-size: 12pt; font-weight: bold\">Portfolio Performance Ownership - </span><span style=\"font-size: 12pt\">Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals</span></li>\n<li><span style=\"font-size: 12pt; font-weight: bold\">Credit &amp; Pricing Strategy Leadership - </span><span style=\"font-size: 12pt\">Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns</span></li>\n<li><span style=\"font-size: 12pt; font-weight: bold\">Executive Influence &amp; Cross-Functional Alignment - </span><span style=\"font-size: 12pt\">Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"> </span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">You’re a Strong Fit if You:</span></p>\n<ul>\n<li><span>Have </span><span>strong </span><span>decision-</span><span>making </span><span>capability </span><span>and </span><span>take </span><span>full </span><span>ownership </span><span>of </span><span>outcomes</span></li>\n<li><span>Can </span><span>balance </span><span>risk </span><span>and </span><span>growth, </span><span>making </span><span>thoughtful </span><span>trade-</span><span>offs </span><span>that </span><span>drive </span><span>business </span><span>performance</span></li>\n<li><span>Are </span><span>highly </span><span>analytical </span><span>and </span><span>comfortable </span><span>challenging </span><span>data </span><span>and </span><span>assumptions </span><span>to </span><span>reach </span><span>better </span><span>decisions</span></li>\n<li><span>Communicate </span><span>effectively </span><span>at </span><span>an </span><span>executive </span><span>level </span><span>and </span><span>influence </span><span>across </span><span>diverse </span><span>stakeholders</span></li>\n<li><span>Thrive </span><span>in </span><span>ambiguity </span><span>and </span><span>can </span><span>operate </span><span>in </span><span>a </span><span>fast-</span><span>paced, </span><span>evolving </span><span>environment</span></li>\n<li><span>Lead </span><span>collaboratively </span><span>while </span><span>maintaining </span><span>accountability </span><span>and </span><span>clear </span><span>conviction</span></li>\n<li><span>Demonstrate </span><span>curiosity, </span><span>adaptability, </span><span>and </span><span>a </span><span>growth </span><span>mindset </span><span>aligned </span><span>with </span><span>Greenbox </span><span>values</span></li>\n<li><span>Are </span><span>comfortable </span><span>working </span><span>across </span><span>global, </span><span>distributed </span><span>teams</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What You’ve Done Before:</span></p>\n<ul>\n<li><span>Bachelor’s </span><span>degree </span><span>in </span><span>finance, </span><span>economics, </span><span>mathematics, </span><span>or </span><span>a </span><span>related </span><span>field </span><span>required; </span><span>advanced </span><span>degree </span><span>preferred</span></li>\n<li><span>10+ </span><span>years </span><span>of </span><span>progressive </span><span>experience </span><span>in </span><span>credit </span><span>risk </span><span>with </span><span>direct </span><span>ownership </span><span>of </span><span>portfolio </span><span>performance</span></li>\n<li><span>3+ </span><span>years </span><span>in </span><span>a </span><span>director-</span><span>level </span><span>or </span><span>higher </span><span>leadership </span><span>role </span><span>managing </span><span>teams</span></li>\n<li><span>Strong </span><span>experience </span><span>in </span><span>small </span><span>business </span><span>lending, </span><span>alternative </span><span>finance, </span><span>or </span><span>non-</span><span>prime </span><span>environments </span><span>preferred</span></li>\n<li><span>Proven </span><span>track </span><span>record </span><span>of </span><span>making </span><span>credit </span><span>and </span><span>pricing </span><span>decisions </span><span>with </span><span>measurable </span><span>business </span><span>impact</span></li>\n<li><span>Experience </span><span>operating </span><span>at </span><span>an </span><span>executive </span><span>level </span><span>with </span><span>strong </span><span>cross-</span><span>functional </span><span>influence</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Tools and Expertise You’ll Bring:</span></p>\n<ul>\n<li><span>Deep </span><span>expertise </span><span>in </span><span>portfolio </span><span>management, </span><span>pricing </span><span>strategy, </span><span>and </span><span>unit </span><span>economics</span></li>\n<li><span>Strong </span><span>understanding </span><span>of </span><span>underwriting </span><span>processes, </span><span>credit </span><span>policy </span><span>design, </span><span>and </span><span>segmentation </span><span>strategies</span></li>\n<li><span>Ability </span><span>to </span><span>interpret </span><span>and </span><span>challenge </span><span>analytics </span><span>outputs </span><span>without </span><span>direct </span><span>model </span><span>development </span><span>ownership</span></li>\n<li><span>Advanced </span><span>proficiency </span><span>in </span><span>Excel; </span><span>working </span><span>knowledge </span><span>of </span><span>SQL </span><span>and </span><span>BI </span><span>tools </span><span>for </span><span>data </span><span>interpretation</span></li>\n<li><span>Familiarity </span><span>with </span><span>credit </span><span>decisioning </span><span>systems, </span><span>data </span><span>vendors, </span><span>and </span><span>fraud </span><span>tools</span></li>\n<li><span>Experience </span><span>leveraging </span><span>data </span><span>to </span><span>inform </span><span>strategy, </span><span>stress </span><span>testing, </span><span>and </span><span>scenario </span><span>planning</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What to Expect from Our Interview Process</span></p>\n<p><span style=\"font-size: 12pt\">We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can typically expect (subject to adjustments depending on role):</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 1: Initial Phone Screen (30 minutes)</span><br><span style=\"font-size: 12pt\">A brief conversation with a recruiter to learn more about your background, interests, and alignment with the role.</span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 2: Hiring Manager Interview (1 hour)</span><br><span style=\"font-size: 12pt\">A deeper discussion about the role, your relevant experience, and how you’d contribute to the team.</span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 3: Role-Specific Assessment or Panel Interview (1 hour)</span><br><span style=\"font-size: 12pt\">Depending on the role, this may include a take-home assignment, technical interview, or live case study with team members.</span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 4: Final Interview or Leadership Chat (1 hour)</span><br><span style=\"font-size: 12pt\">A final conversation with senior leadership or cross-functional team members to ensure alignment with our mission and values.</span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 5: Offer &amp; Background Check</span><br><span style=\"font-size: 12pt\">If it’s a mutual fit, we’ll move forward with background check and present a competitive offer.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">What's In It For You</span>:</span></p>\n<p><span style=\"font-size: 12pt\">💸 Competitive Pay - We know your worth and we pay accordingly.</span></p>\n<p><span style=\"font-size: 12pt\">🌴 Flexible PTO - Work hard, rest well. Take the time you need to recharge.</span></p>\n<p><span style=\"font-size: 12pt\">🏡 Remote - Fully remote within the U.S., working Eastern Time hours to keep everyone aligned.</span></p>\n<p><span style=\"font-size: 12pt\">🩺 Full Benefits Package - Health, dental, vision</span></p>\n<p><span style=\"font-size: 12pt\">🧠 Smart, Supportive Teammates - <span>Work </span><span>with </span><span>collaborative, </span><span>curious, </span><span>and </span><span>high-</span><span>performing </span><span>teammates</span></span></p>\n<p><span style=\"font-size: 12pt\"> </span></p>",
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