Senior Manager, Risk Analytics

GreenSky LLC; Atlanta (GA); Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Annual bonus

Medical, dental, vision

401k retirement benefits

Paid time off

Job summary

GreenSky LLC, headquartered in Atlanta, GA, seeks a seasoned credit risk professional to advance risk and pricing strategies for the Home Improvement lending business. This high-ownership role runs from strategy design to execution, defining loan-level valuation, monitoring performance signals, and implementing test-and-learn strategies within GreenSky’s decisioning framework.

You will collaborate with Product, Legal, Capital Markets, Servicing, and Risk, communicating complex topics to senior

Qualifications

• 4+ years 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).
• Expertise in pulling structured data with SQL and using Excel/Tableau/Python for analytics.
• Experience implementing credit strategies in a decision engine or rules-based system.

Responsibilities

• Build and maintain loan-level valuation models incorporating loss, delinquency roll-rates, prepayment behavior, recoveries, and cash-flow curves.
• Translate performance assumptions into margin, risk-adjusted return, and profitability estimates.
• Design and execute test-and-learn frameworks across underwriting, segmentation, pricing, and limits.
• Define success metrics, guardrails, and decision criteria for scaling or discontinuing strategies.
• Collaborate cross-functionally to ensure strategies are executable and well-controlled.
• Own pre-screen credit strategy, including criteria design, execution, and monitoring.

Skills

credit risk

credit strategy

analytics

SQL

Excel

Tableau

Python

test-and-learn

decisioning

communication

Education

Bachelor's degree in Economics/Statistics/Mathematics/Engineering/CS

Advanced degree preferred

Tools

SQL

Excel

Tableau

Python

Job description

Overview

About GreenSky

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 nearly $70 billion of commerce using GreenSky’s real time “apply and buy” technology.

Location: Atlanta, GA (Hybrid: 3 Days per week)

This role requires unrestricted work authorization now and in the future, as visa sponsorship and sponsorship transfers are not available.

Overview:

GreenSky needs a seasoned credit risk professional to advance the risk and pricing strategies of our Home Improvement lending business. This role spans strategy design through execution with direct responsibility for profitability and disciplined growth.

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 implement changes 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.

This role requires internal and external partnership, and the ability to communicate complex topics clearly to senior audiences. The role will regularly interact with senior management, product, legal, compliance, operations, capital markets, others in risk, external vendors, and funding partners.

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 margin, risk‑adjusted return, and profitability estimates
• Perform downside and sensitivity analysis to understand tradeoffs and set monitoring thresholds

Performance Monitoring & Early Warning

• Monitor early‑stage delinquency, roll behavior, and payment performance across credit segments and products
• 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

• 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
• Demonstrated use of AI tools as part of routine analytical work, including code generation, data exploration, and documentation. Candidates should be able to describe specific workflows they have built or accelerated with AI, not just tools they have tried.
• Strong written and verbal communication skills with the ability to influence cross‑functional partners
• Bachelor's degree with advanced degree preferrable in a quantitative field such as Economics, Statistics, Mathematics, Engineering, Computer Science etc.

Preferred Qualifications:

• Experience in a credit risk function in an unsecured lending environment with unsecured installment products or with credit card acquisitions (line management and card authorizations are 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. 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 visithttps://www.greensky.com/benefits.

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.