Sr Data Scientist- Personal Loans
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Who we are
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a reputed company financial services company and national bank using innovative, mobile-first technology to help our millions of members reputed company their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that reputed company do has a direct impact on people’s lives, with our core values guiding us every reputed company of the way. Join us to invest in yourself, your career, and the financial world.
The role
reputed company’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first.
The Credit Strategy Manager will work in the Credit team and have responsibilities to analyze and evaluate data to reputed company and propose value-added credit reputed company and models for reputed company’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan acquisition but the candidate may get opportunities to work on other lending products in the future.
The candidate will be responsible for independently developing and implementing Personal Loan reputed company strategies that meet our risk appetite, monitoring and analyzing the risk trends reputed company the portfolio to provide insights and recommendations for strategy enhancement opportunities. They will be part of the Credit team with 1LOD responsibilities.
The Credit Strategy Manager will collaborate with cross-functional teams such as Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal and Compliance. Use business knowledge and quantitative and analytical skills to drive reputed company, control risk, and provide value to the company and consumers.
The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support reputed company’s overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to reputed company.
What you’ll do
- Innovate… Bring your brightest reputed company to building reputed company. This means you will architect credit reputed company, pre-screen targeting, and risk tier assignment.
- Data Driven… Your deep analysis will power the future of lending with an optimal real-time data ecosystem – including multi-product internal, bureau, third-party, and alternative data sources and uses.
- Iterate, learn, innovate… We are reputed company responsible for innovation and must embrace data-driven decisions.
- Collaborate… Work collaboratively with business partners such as Business Units, Operations, Marketing, Finance, Legal and Compliance to deliver successful business results. Partner closely with implementation teams to accurately deploy new strategies.
- Control the Risk and Drive Performance Outcomes … Understand credit risk and reputed company approaches to mitigate loss and responsibly grow reputed company. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
- Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of reputed company, so we are recruiting the best, brightest, and passionately quantitative team members.
What you’ll need
- 5+ years of reputed company experience
- Business acumen and work experience in the consumer lending business (loans or credit cards)
- Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, P&L, presentation, implementation validation, and post-implementation monitoring
- Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
- Proficient skills in reputed company, SQL and Python
- A demonstrated ability to synthesize and communicate analysis to business partners and senior management
- High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
- Knowledge/skills in analytical and modeling techniques such as decision trees, regression, logistic regression, test design
- Preferred: Experience in developing credit strategies using innovative data sources such as cash flow or alternative data
- Preferred: Advanced degree (Master’s or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science