Senior Manager, Risk AnalyticsGreenSky LLC • Atlanta, Georgia, United States
Cette offre d'emploi n'est plus disponible
Senior Manager, Risk Analytics
GreenSky LLC
- Atlanta, Georgia, United States
- Atlanta, Georgia, United States
À propos
GreenSky, LLC, headquartered in Atlanta, is a leading technology company Powering Commerce at the Point of Sale® for a growing ecosystem of merchants, consumers, and banks. GreenSky’s highly scalable, proprietary and patented technology platform enables merchants to offer frictionless promotional payment options to consumers, driving increased sales volume and accelerated cash flow. The GreenSky® Program is operated on behalf of, and financing is offered and made by, federally insured, federal or state chartered financial institutions, which leverage GreenSky’s technology to offer loans to primarily super-prime and prime consumers nationwide. Since GreenSky's inception, nearly 6 million consumers have financed more than $50 billion of commerce using GreenSky’s real time “apply and buy” technology.
Location: Atlanta, GA (Hybrid: 3 Days per week)
We are unable to sponsor or take over sponsorship of an employment Visa at this time. Applicants must be authorized to work for ANY employer in the U.S.
GreenSky seeks a credit risk professional to own and manage one or more credit strategy processes for the Home Improvement lending platform. This role spans strategy design through execution and works across unit economics, underwriting, servicing, and capital markets, with direct responsibility for the profitability and disciplined growth of the strategies they manage.
This is a high-ownership, hands‑on role for someone who wants to run a set of credit strategies end‑to‑end. The individual will define and maintain loan‑level valuation frameworks, monitor early performance signals, design and execute test‑and‑learn strategies, manage pre‑screen credit strategy, and directly implement credit policies within GreenSky’s decisioning infrastructure. Success in this role requires comfort operating with white space, making judgment calls, continuously refining strategy as performance emerges, and working cross‑functionally with others in the enterprise to execute.
They will own the credit economics for the strategies and processes they manage, operating with a high degree of autonomy while collaborating closely with partners across Credit, Product, Servicing, and Capital Markets.
Duties & Responsibilities Loan Valuation & Credit Economics
Build and maintain loan‑level valuation models incorporating cumulative and non‑cumulative loss, delinquency roll‑rates, prepayment behavior, minimum payment dynamics, recoveries, and balance / cash‑flow curves
Translate performance assumptions into asset margin, risk‑adjusted return, and profitability estimates
Perform downside and sensitivity analysis to understand risk tradeoffs and economic boundaries
Performance Monitoring & Early Warning
Monitor early‑stage delinquency, roll behavior, and payment performance across credit segments and populations
Convert early performance signals into forward‑looking loss and profitability forecasts, not just retrospective reporting
Identify emerging risks and recommend timely strategy or policy adjustments
Credit Strategy & Test‑and‑Learn
Design and execute test‑and‑learn frameworks across underwriting, segmentation, approval criteria, limits, and pricing
Define success metrics, guardrails, and decision criteria to support scaling, refinement, or discontinuation of strategies
Partner cross‑functionally with Product, Capital Markets, Legal/Compliance, and Servicing to ensure strategies are executable and well‑controlled
Own and manage pre‑screen credit strategy, including criteria design, execution, and performance monitoring for prescreened acquisition campaigns
Decisioning & Strategy Implementation
Code and implement credit strategies within GreenSky’s decision engine
Translate analytical insights into production‑ready strategies, rules, and decision logic
Support ongoing optimization through disciplined iteration and performance feedback loops
Borrower Communications & Servicing Strategy
Collaborate on the design and testing of borrower communication strategies across multiple channels, including activation, payment reminders, and early‑stage delinquency outreach
Evaluate communication effectiveness using controlled testing methodologies
Inform servicing and collections approaches for higher‑risk segments
Leadership & Collaboration
Partner with stakeholders across Credit, Product, Capital Markets, and Servicing
Partner with others within risk including credit strategy and collections strategy to design and test new strategies
Communicate complex analytical findings clearly to senior audiences
Potentially manage and mentor junior team members as the function scales
Required Skills/Qualifications Required Skills & Qualifications:
At least 4 years of experience in credit risk, credit strategy, or analytics within financial services or fintech
Bachelor’s degree with advanced degree preferrable in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc
experience building loss and valuation models for consumer credit portfolios
Strong understanding of delinquency dynamics, loss emergence, and early performance monitoring.
Hands‑on experience with test‑and‑learn methodologies (e.g., A/B testing, champion/challenger, phased rollouts)
Expertise in pulling structured data with SQL and experience with Excel, Tableau, Python (or similar) for analytics
Experience implementing credit strategies in a decision engine or rules‑based system
Strong written and verbal communication skills with the ability to influence cross‑functional partners
Preferred Qualifications:
Advanced degree in a quantitative field such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc
Experience in credit risk function in an unsecured lending environment with unsecured installment products or with credit cards acquisitions (line management and auth for card is less relevant)
Familiarity with alternative or expanded credit data sources.
Exposure to servicing or collections strategy for higher‑risk borrowers
Our compensation structure is designed to reflect the cost of labor across various U.S. geographic markets. The base salary for this role ranges from $145,000 per year to $185,000 per year. Compensation will be determined by several factors, including relevant knowledge, skills, and experience. This role is also eligible to receive an annual bonus within a comprehensive total rewards package, alongside a full suite of medical, dental, vision, disability insurance, life insurance, 401k retirement benefits, paid time off, paid holidays, and paid personal/sick time. For further details, please visit https://www.greensky.com/benefits.
We anticipate that this position will remain open for at least 5 days, and candidates are encouraged to apply through our internal or external career sites.
If you have any questions about this job posting, please contact recruiting@greensky.com.
GreenSky is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law.
#J-18808-Ljbffr
Compétences linguistiques
- English
Avis aux utilisateurs
Cette offre a été publiée par l’un de nos partenaires. Vous pouvez consulter l’offre originale ici.