Consumer & Wealth Management - GreenSky - Associate, Credit Strategy, Merchant Risk Management - Atlanta / Multiple Locations

Goldman Sachs

About GreenSky

GreenSky, a Goldman Sachs Company, is one of the fastest growing financial technology companies in America. We make it easy for businesses of all sizes to offer credit to their customers with a fast and paperless solution. With billions of dollars in loans and hundreds of thousands of satisfied customers, we are quickly changing the consumer credit marketplace.

We have developed a highly scalable loan origination and servicing platform and unique loan origination tools to deliver a differentiated level of service to our multiple stakeholders, including bank partners, merchant and retailer channel partners, consumers, and borrowers.

Leveraging proprietary mobile technology, we are currently experiencing exceptional growth in both accounts and profitability. We have a great team, are growing quickly, and are backed by some of the leading investors in the world. Our corporate headquarters is in the expanding fintech hub of Atlanta.

About This Opportunity


  • Associate, Credit Strategy, Merchant Risk Management

Location Options:

  • Primary GreenSky office location: Atlanta
  • Additional Goldman Sachs office locations available:
  • Texas (Dallas/Richardson)
  • Delaware (Wilmington)
  • Utah (Salt Lake City/Draper)


This position is a member of the Merchant Risk Management team within the Credit Strategy function. The Credit Strategy function manages consumer and merchant risk across all GreenSky verticals and products, enabling growth through the development of profitable decision-making frameworks, the creation of predictive models and segmentation, and the design of customer servicing and merchant management strategies.

The Credit Strategy function is structured under the following core teams: 

  • Consumer Credit Risk Management: Monitor consumer loan portfolios and optimize profit based on consumer loan performance
  • Merchant Risk Management: merchant risk management throughout the merchant lifecycle from underwriting to ongoing merchant management
  • Fraud Risk: Evaluate consumer and merchant applications for fraud risk and develop strategies to minimize fraud losses
  • Collections Strategy: Analyze high risk and delinquent accounts and develop strategies to maximize collections and recoveries

Duties & Responsibilities:

  • Provide analytical support in the identification of merchant risks and opportunities and the creation of strategic or tactical recommendations
  • Perform root cause analysis of changing trends to identify performance drivers
  • Conduct quantitative analysis and analyze large volumes of data to identify emerging credit performance trends
  • Collaborate with teams within the Credit Strategy function to develop and test hypothesis
  • Research industry trends and competitor analysis and present findings to senior management
  • Clearly and concisely communicate results of analysis both written and verbally

Required Skills & Qualifications:

  • At least 2 - 5 years of experience in a relevant analytical/quantitative role
  • Bachelor's degree in a quantitative field such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc.
  • Ability to handle large datasets using SQL, R, Python or another similar programming language; working knowledge in Tableau
  • Strong problem solving, decision making, and analytical abilities

Preferred Qualifications:

  • Advanced degree in a quantitative field such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, Computer Science etc.
  • Experience within the Credit function of a financial services organization
  • Passionate about using data and analytics to solve problems and eager to learn about financial services and consumer lending.
  • Strong problem solving, decision making, and analytical abilities
  • Flexibility, perseverance, and ability to thrive in a rapidly-changing, fast-paced, and demanding environment
  • Skilled communicator with ability to influence others

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. At GreenSky, we promote an environment that thrives on innovation. To deliver effective solutions that meet customer challenges, GreenSky employs an open, standards-based approach to business and service-oriented innovation.

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Confirmed a day ago. Posted 4 days ago.

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