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