Director, Risk Analytics

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.

Role Overview:

GreenSky needs a seasoned credit risk leader to own the risk and pricing strategies of our Home Improvement lending business. This role spans strategy design through execution, sits at the center of unit economics, underwriting, servicing, and capital markets, and carries direct responsibility for profitability and disciplined growth.

This is a high-ownership, hands-on role for someone who wants to run a complex credit program 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 is the primary owner of credit economics for its strategy areas, operating independently while collaborating closely with senior leaders across Credit, Product, Servicing, and Capital Markets. It also 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. This is a senior individual contributor role; over time, it may expand to include team leadership as the program matures.

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 drive 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

• 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 and strategy recommendations clearly to executive leadership and funding partners
• Lead cross-functional initiatives and workstreams, and serve as a mentor and subject-matter resource for analysts across Risk

Required Skills/Qualifications

• At least 7 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 and senior leaders
• 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 visit

We anticipate that this position will remain open for at least 5 days.

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.