Senior Risk Analyst

UNAVAILABLE; Atlanta (GA); Hybrid; USD 100,000 - 140,000; Full time

Benefits offered by this job

Annual bonus

Medical, dental, vision insurance

401k retirement benefits

Paid time off

Job summary

GreenSky, LLC, headquartered in Atlanta, is a leading technology company powering commerce at the point of sale. The role focuses on developing and refining credit risk strategies, analyzing data, and designing predictive models to inform underwriting decisions.

Work is hybrid in Sandy Springs, GA with remote days, and visa sponsorship is not available. The candidate will collaborate across Legal, Compliance, Operations, Product, and Capital Markets while staying abreast of regulatory changes to

Qualifications

• 1-5 years of experience in data analytics, preferably in credit risk policies/strategies.
• Bachelor’s degree with advanced degree preferable in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science.

Responsibilities

• Develop and refine credit risk strategies for unsecured personal loan originations in a point-of-sale context.
• Analyze consumer credit data to assess creditworthiness and inform decisions.
• Design and implement predictive models to forecast borrower behavior and losses.
• Collaborate with Legal, Compliance, Operations, Product, and Capital Markets for cohesive strategy and regulatory compliance.
• Monitor portfolio performance and identify trends and improvements in risk policies.
• Conduct A/B testing to evaluate policy changes and optimize underwriting criteria.
• Stay updated on industry trends and regulatory changes and apply insights to risk management.
• Utilize SQL, Python, R to extract and analyze large datasets.
• Prepare reports and presentations for senior management with findings and recommendations.

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: Sandy Springs, GA (Hybrid: 3 Days per week/2 days remote)

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

Duties & Responsibilities

• Develop and refine credit risk strategies for new unsecured personal loan originations in a point-of-sale context, determining approval criteria, credit limits, interest rates, and loan durations.
• Analyze consumer credit data, including credit bureau data and alternative data sources, to assess creditworthiness and inform decision‑making processes.
• Design and implement predictive models to forecast borrower behavior, delinquency rates, and potential losses, ensuring alignment with risk appetite and business objectives.
• Collaborate cross‑functionally with teams such as Legal & Compliance, Operations, Product, and Capital Markets to ensure cohesive strategy execution and regulatory compliance.
• Monitor and report on portfolio performance, identify trends, anomalies, and areas for improvement in credit risk policies and procedures.
• Conduct A/B testing and other experimental designs to evaluate the impact of credit policy changes and optimize underwriting criteria.
• Stay abreast of industry trends and regulatory changes, incorporating relevant insights into risk management practices.
• Utilize advanced analytics tools and programming languages (e.g., SQL, Python, R) to extract, manipulate, and analyze large datasets effectively.
• Prepare comprehensive reports and presentations for senior management, articulating findings, recommendations, and strategic implications.

Required Skills/Qualifications

• 1‑5 years of experience in conducting data analytics, preferably on credit risk policies/strategies in the financial services industry.
• Bachelor’s degree with advanced degree preferrable in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc.
• Hands‑on experience using generative AI tools to write, debug, or document code and analysis, along with the judgment to review AI output critically and catch errors.
• Ability to handle / analyze large datasets using SQL, R, Python or another similar programming language. Knowledge with Tableau or similar BI/data visualization tools is a plus
• Strong problem solving, decision making, and analytical abilities
• Excellent written, verbal, and presentation skills. Skilled communicator with ability to influence others
• Demonstrated ability to think creatively and critically
• Flexibility and ability to thrive in a rapidly changing, fast‑paced environment

Preferred Qualifications

• Advanced degree in a quantitative field such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc.
• Experience within a financial services or financial technology organization
• Experience with unsecured consumer lending products
• Passionate about using data and analytics to solve problems and eager to learn about financial services, acquisitions strategy, and consumer lending
• Exposure to agentic or automated analytics workflows, or to natural‑language querying over governed data, for example in Snowflake.

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.

If you have any questions about this job posting, please contact [e-mail].