Overview
This role supports underwriting, portfolio monitoring, and credit strategy for consumer lending products by building analytical and machine-learning solutions that improve credit outcomes and support responsible growth. The position works at the intersection of data science, risk management, and product decisioning, partnering with Product, Risk, Engineering, Finance, and Operations.
Responsibilities
- Build and maintain credit risk models, scorecards, and analytical frameworks supporting underwriting, account management, and portfolio monitoring
- Analyze large, complex datasets (application, bureau, tax, and performance data) using Python and SQL to uncover risk insights and portfolio trends
- Develop predictive models, segmentation, and analytics for default risk, customer behavior, and portfolio actions, including experimentation and strategy tests
- Partner with engineering and MLOps teams to productionize models, improve data pipelines, and support ongoing monitoring and performance tracking
- Provide clear, decision-ready insights to stakeholders while supporting model governance, documentation, explainability, and continuous data quality improvement
Required Qualifications
- 5+ years of experience in data science, risk analytics, or quantitative analytics with hands-on model development and deployment
- Strong foundation in predictive modeling and applied statistical methods (e.g., logistic regression, tree-based models, clustering)
- Experience in consumer credit, fintech, banking, or another regulated financial services environment
- Proficiency in Python and SQL for data analysis, modeling, and automation
- Working knowledge of consumer credit concepts such as underwriting, delinquency, losses, or portfolio performance
- Ability to communicate analytical findings clearly and influence decisions across technical and non-technical partners
Preferred Qualifications
- Experience with underwriting, account management, collections, fraud, or credit risk strategy
- Familiarity with cloud data platforms, modern analytics stacks, or ML deployment processes
- Exposure to model monitoring, validation, documentation, or governance workflows
- Master’s degree in a quantitative discipline
Compensation & Benefits
- Pay range: $100,400.00 - $150,600.00/Yr.
- Local minimum wage laws apply.
- Individual pay decisions depend on job-related factors such as experience, education, skill, performance, and geographic location where work will be performed.
- Successful candidates may be able to participate in one or more incentive compensation or short-term incentive plans, which could generate additional earnings in accordance with the terms of each plan.
- Qualifying associates can enroll themselves and/or eligible dependents in medical and prescription drug coverage; participate in the Retirement Savings Plan (401(k) Plan); access the Employee Assistance Program; join (virtual) fitness center programs; and use the associate discount program.
- Associates are automatically enrolled in Business Travel Accident Insurance and receive an Associate Tax Prep benefit.
Location
Local minimum wage laws apply, based on the geographic location where work will be performed.