Data Scientist

Data ScientistAs our Data Scientist, you'll help drive Concora Credit's mission to enable customers to Do More with Credit – every single day.The impact you'll have at Concora Credit: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.ResponsibilitiesAs our Data Scientist, you will:Partner with Credit Risk to build production machine learning models; your models will determine who we lend to and how we interact with existing customersAssess the quality and risk of various model methodologies, algorithms, outputs, and business processesDevelop our understanding of new data sources and how they may improve our existing processes and credit decisionsDesign, develop, and deploy infrastructure for the training, testing, and serving of models at scaleDevelop benchmark and challenger models to effectively challenge critical modeling decisionsDevelop explainability and monitoring tools to enable the responsible use of statistical machine learning models and adhere to regulatory guidelinesDevelop and maintain high quality and transparent model documentation.Communicate your insights and solutions at all levels of the organization through effective presentations and technical reportsLeverage 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 dataIdentify business challenges and opportunities, using modeling and analytics to deliver strategic or tactical recommendationsExpand Concora Credit's capabilities in risk, marketing and operational analyticsPartner 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 productionAs a data scientist leader, be a mentor, lead junior analysts, offer guidance and provide training opportunitiesThese duties must be performed with or without reasonable accommodation.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.QualificationsRequirements: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 experience2+ years in data science, data analytics, applied machine learning, or related experience in a business setting; ability to convert ideas into testable hypotheses and/or next stepsDeep understanding and experience with data analysis, and statistical and machine learning modelsStrong foundation in machine learning with experience implementing and optimizing machine learning modelsKnowledgeable 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 plusStrong Programming skills in Python and/or R (Python preferred)Predictive modeling experience with a quantitative background is preferredExperience working with consumer or business lending data is preferredExcellent problem solver, disciplined attention to detail, great communicatorStrong ability to work proactively and collaboratively in a cross-functional team to drive resultsStrong quantitative skills and communication skills - verbal and writtenWhat's In It For You:Medical, Dental and Vision insurance for you and your familyRelax and recharge with Paid Time Off (PTO)6 company-observed paid holidays, plus 3 paid floating holidays401k (after 90 days) plus employer match up to 4%Pet Insurance for your furry family membersWellness perks including onsite fitness equipment at both locations, EAP, and access to the Headspace AppWe invest in your future through Tuition ReimbursementSave on taxes with Flexible Spending AccountsPeace of mind with Life and AD&D InsuranceProtect yourself with company-paid Long-Term Disability and voluntary Short-Term DisabilityConcora Credit provides equal employment opportunities to all Team Members and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.Employment-based visa sponsorship is not available for this role.Concora Credit is an equal opportunity employer (EEO).