Data Scientist

How you'll make an impact

• Build industry-leading machine learning models for managing credit and fraud risks
• Leverage multiple complex data sources such as credit bureau reports and customer supplied information at large scale to optimize approve/decline and credit line assignment decisions
• Collaborate with engineers to deploy your models into a production environment
• Propose and execute solutions to various problems within business constraints
• Use responsible AI technique following regulatory requirements and lending best practices
• Help the team with developing tools and workflow solutions to increase data science productivity
• Actively monitor the credit risk models in production
• Extract the most value out of data to significantly impact our key business metrics
• Assess the potential usefulness and validity of machine learning algorithms and features through various data sources
• Conduct ad-hoc analysis related to risk management, investor services, operations and corporate development

Skills that will help you thrive

• 3 - 6 years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques (educational experience taken into consideration). Consumer lending experience in unsecured personal loan or credit card is a plus
• Advanced degree (M.S./PhD) preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field
• Expert knowledge in one of the statistical programming languages such as Python, and database languages such as SQL
• Solid understanding of coding best practices and model documentation
• Strong communication skills – ability to clearly and succinctly communicate technical subject matter to other team members and senior management
• Strong interpersonal skills – collaborate with people across functions and develop strong relationships
• Ability to work unsupervised in fast-paced environment and prioritize among parallel projects
• Ability to think within regulatory guidelines with a mindset toward reproducible research
• Self-motivated, results-oriented, enthusiastic, and a creative thinker

What we offer

• The opportunity to collaborate with a team of creative, fun, and driven colleagues on products that have an immediate and significant impact on people's lives.
• The opportunity to work in a fast-paced environment with experienced industry leaders.
• Flexible time off, comprehensive health coverage, competitive salary, paid parental leave, and other wellness benefits.
• A bevy of other perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and additional discounts through Perkspot.
• The ability to work remotely in the United States.

Interview process

• Recruiter Call: A brief screening to discuss your experience and initial questions.
• Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member.
• Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercises.
• Final Round: Discussion with a department head/executive.