Data Scientist

As a Data Scientist, your primary role will be to develop custom fraud detection, credit risk, marketing, and account management models to drive higher approval rates and lower losses. You will leverage the latest machine learning techniques, and technology to optimize underwriting, marketing, and fraud strategies, understand business performance, and identify improvement opportunities. This position offers growth opportunities for someone who is passionate about analyzing business performance, making data-driven decisions, and testing and optimizing strategy.

We hire people, not positions. That's because, at Concora Credit, we put people first, including our customers, partners, and Team Members. Concora Credit is guided by a single purpose: to help non-prime customers do more with credit. Today, we have helped millions of customers access credit. Our industry leadership, resilience, and willingness to adapt ensure we can help our partners responsibly say yes to millions more. As a company grounded in entrepreneurship, we're looking to expand our team and are looking for people who foster innovation, strive to make an impact, and want to Do More!

We’re an established company with over 20 years of experience, but now we’re taking things to the next level. We're seeking someone who wants to impact the business and play a pivotal role in leading the charge for change.

• M.S. in statistics, mathematics, computer science, or other analytical field with 2-4 years of industry experience in statistical modeling and analytics, preferably in the Finance industry, or Ph.D in field mentioned above with 1-3 years of relevant experience
• 2+ years in data analytics, applied machine learning, or related experience in a business setting; ability to convert ideas into testable hypotheses and/or next steps
• Deep understanding and experience with data analysis, and statistical and machine learning models
• Strong foundation in machine learning with experience implementing and optimizing machine learning models
• Knowledgeable in applied statistics (e.g., hypothesis testing, regression techniques, probability, structured and un-structured learning algorithms, time series analytics, forecasting)
• Hands on experience with Python, Spark SQL, XGBoost, and Databricks a plus
• Strong Programming skills in Python and/or R (Python preferred)
• Predictive modeling experience with a quantitative background is preferred
• Experience working with consumer or business lending data is preferred
• Excellent problem solver, disciplined attention to detail, great communicator
• Strong ability to work proactively and collaboratively in a cross-functional team to drive results
• Strong quantitative skills and communication skills - verbal and written

• Partner with Credit Risk to build production machine learning models; your models will determine who we lend to and how we interact with existing customers
• Assess the quality and risk of various model methodologies, algorithms, outputs, and business processes
• Develop our understanding of new data sources and how they may improve our existing processes and credit decisions
• Design, develop, and deploy infrastructure for the training, testing, and serving of models at scale
• Develop benchmark and challenger models to effectively challenge critical modeling decisions
• Develop explainability and monitoring tools to enable the responsible use of statistical machine learning models and adhere to regulatory guidelines
• Develop and maintain high quality and transparent model documentation.
• Communicate your insights and solutions at all levels of the organization through effective presentations and technical reports
• Leverage multiple tools such as R, Python, and SQL on the Databricks platform to develop cutting edge models. Use latest statistical and coding techniques on structured and un-structured data
• Identify business challenges and opportunities, using modeling and analytics to deliver strategic or tactical recommendations
• Expand Concora Credit’s capabilities in risk, marketing and operational analytics
• Partner with leaders to develop an enterprise modeling long term road map across the enterprise. Be focused on execution, and ensure that models are implemented successfully and timely in production
• As a data scientist leader, be a mentor, lead junior analysts, offer guidance and provide training opportunities

We know experience comes in many forms and that many skills are transferable. If your experience is close to what we're looking for, consider applying. Diversity has made us the entrepreneurial and innovative company that we are today.

• Medical, Dental and Vision insurance for you and your family
• Relax and recharge with Paid Time Off (PTO)
• 6 company-observed paid holidays, plus 3 paid floating holidays
• 401k (after 90 days) plus employer match up to 4%
• Pet Insurance for your furry family members
• Wellness perks including onsite fitness equipment at both locations, EAP, and access to the Headspace App
• We invest in your future through Tuition Reimbursement
• Save on taxes with Flexible Spending Accounts
• Peace of mind with Life and AD&D Insurance
• Protect yourself with company-paid Long-Term Disability and voluntary Short-Term Disability

Employment-based visa sponsorship is not available for this role.

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