Overview

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
• 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:

• 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.