GreenSky® · 16 hours ago
Director/Sr. Director, Risk Analytics
Atlanta, GA, US
Full-time
Onsite
Mid, Senior Level
$170K/yr - $185K/yr
5+ years expGreenSky, LLC, headquartered in Atlanta, is a leading technology company Powering Commerce at the Point of Sale. They are seeking a seasoned credit risk professional to serve as the primary owner of near-prime and second-look credit strategy for its Home Improvement lending platform, focusing on strategy design through execution and ensuring profitability and disciplined growth.
Consumer LendingCreditFinancial ServicesFinTech
No H1B
Responsibilities
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
Monitor early-stage delinquency, roll behavior, and payment performance for near-prime and second-look 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
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
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
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
Operate independently with senior 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
Qualification
Required
5-10 years of experience in credit risk, credit strategy, or analytics within financial services or fintech
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
Experience with near-prime or sub-prime unsecured lending 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
Benefits
Annual bonus
Full suite of medical, dental, vision, disability insurance
Life insurance
401k retirement benefits
Paid time off
Paid holidays
Paid personal/sick time
Company
GreenSky®
GreenSky® helps home improvement Businesses grow through a frictionless point-of-sale lending solution that offers access to increased buying power for qualified Customers.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$610MKey Investors
PIMCOFifth Third BankTPG
2024-03-15Acquired
2018-05-24IPO
2018-01-02Private Equity· $200M
Leadership Team
Christopher Childs
Patient Growth Partner
Courtney Hill, MBA
Director, Sponsor Partnership
Recent News
2025-11-14
EIN Presswire
2025-10-09
2025-09-12
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