Lending Data Scientist

Credibly New York City , NY 10010

Posted 3 months ago

Who We Are:

We believe in small and medium-sized businesses and the people who grow them. At Credibly, we leverage cutting-edge data science, technology, partner relations and customer support to provide business owners with hyper-fast access to right-sized capital solutions.

The Company:

Founded in Michigan in 2010, Credibly has provided nearly $1B in financing to small business customers, and was named in 2014, 2015, and 2016 to the Inc. 500 list of fastest growing private companies in America.

Since then, Credibly has accelerated its growth opening offices in New York and Arizona, building out their data science capabilities and microservices, technology, and product suite to better accommodate the needs of business owners nationwide.

The Opportunity:

Credibly is looking for an inquisitive Data Scientist with a background in lending and credit who thrives at solving real-world problems in a fast-paced environment. You will be responsible for driving strategies at select points across the risk management lifecyle i.e., acquisition, underwriting, portfolio management and collections. This role reports directly to the Chief Risk Officer.

Responsibilities

  • Leverage analytics and data science to drive optimal decision-making across the customer risk management lifecycle i.e., acquisition, underwriting, operations, portfolio management and collections. Select examples include:

  • Monitoring performance and investment return across acquisition channels and using analytics to improve overall results

  • Enhancing underwriting rules, default model and offer logic

  • Exploring new data sources to improve overall risk management

  • Enhancing early warning portfolio management strategies for accounts that require immediate attention

  • Provisioning, liquidity and stress-testing

  • Analytics associated with a securitization

  • Enhancing collections strategy and collectability model

  • Monitoring standard risk management KPIs and taking appropriate actions

Qualifications

  • Degree in a quantitative discipline such as Engineering, Mathematics, Physics etc from a top university (or equivalent)

  • Strong applied statistics and machine learning skills e.g., regression, decision trees, ensemble and boosting techniques

  • Background of at least 2 years in lending and credit (small business lending a plus)

  • Creativity and ability to turn data into actionable strategies that will drive business results

  • Excellent coding skills in at least one statistical language, preferably Python

  • Strong communication and influencing skills

We are only considering candidates eligible to legally work in the US without employer sponsorship


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Lending Data Scientist

Credibly