Senior Analyst, Credit Risk Strategy & 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 more than $50 billion of commerce using GreenSky’s real time “apply and buy” technology. 

Location: Atlanta, GA

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, identifying 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 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.
• 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

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.