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Credit Data Scientist

July 31

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Logo of Self Financial, Inc.

Self Financial, Inc.

Build credit. Build savings. Build dreams.

Financial technology • Consumer financial services • Consumer services • Financial services • fintech

51 - 200

Description

• Develop and maintain predictive models to assess credit risk and forecast customer behavior • Analyze large datasets to identify trends, patterns, and insights that inform business decisions • Design, implement, and evaluate machine learning algorithms to improve credit scoring and underwriting processes • Determine best internal and external data sources for use within modeling and production usage • Collaborate with cross-functional teams to integrate data science solutions into business operations • Perform data cleaning, preprocessing, and feature engineering to ensure high-quality data for analysis • Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies • Monitor and evaluate the performance of existing models and recommend improvements • Present findings and recommendations to stakeholders in a clear and concise manner • Stay current with industry trends and advancements in data science, machine learning, and credit risk management

Requirements

• 7 - 10 years of related experience • Master’s or PhD in Data Science, Statistics, Computer Science, Economics, or a related field • Proven experience in data science, analytics, and statistical modeling in the consumer finance or credit risk industry • Strong proficiency in programming languages such as Python, R, or SQL • Experience with machine learning libraries and frameworks (e.g., scikit-learn, TensorFlow, PyTorch) • Familiarity with data visualization tools (e.g., Tableau, Power BI, matplotlib) • Solid understanding of credit risk modeling, credit scoring, and underwriting processes • Excellent problem-solving skills and attention to detail • Strong communication skills, with the ability to present complex technical information to non-technical stakeholders • Ability to work independently and collaboratively in a fast-paced environment • Experience with big data technologies (e.g., Hadoop, Spark) and cloud computing platforms (e.g., AWS, GCP, Azure) • Knowledge of regulatory requirements and compliance in the consumer finance industry • Experience with natural language processing (NLP) and text analytics

Benefits

• Company Equity in the form of Stock Options • Quarterly performance-based bonuses • Generous employer-paid health, vision and dental insurance coverage • Flexible vacation policy • Educational assistance • Free gym membership • Casual dress code • Team building events and activities • Remote work arrangements/ flexible work schedule • Paid parental leave

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