We are seeking a highly analytical Data Scientist with strong proficiency in Python and R to lead a dynamic team in delivering high-impact risk solutions. You will be responsible for analyzing loss trends, simulating risk decisioning strategies, and building risk scorecards. This role requires an analytical mindset, strong problem-solving skills, and the ability to collaborate with various stakeholders to drive the implementation of risk strategies.
Roles & Responsibilities:
- Lead a dynamic team to deliver high-impact risk solutions across credit risk (underwriting, exposure controls, and line management).
- Work with stakeholders across product management, data science, and engineering to build relationships and drive the implementation of risk strategies.
- Manage challenging time constraints to ensure on-time delivery of projects.
- Work closely with partner teams in identifying, evaluating, and recommending new data that helps in risk differentiation.
- Analyze loss trends and simulate risk decisioning strategies that help optimize revenue, approval rates, etc.
- Work closely with the data science team and recommend credit risk decisioning and model deployment strategy.
- Build a risk scorecard that leverages both internal and external performance data for credit decisioning.
- Collate analysis and build presentations that help articulate the risk strategy for the leadership team.
Skills Required:
- Experience in analyzing data and using database query language (e.g., SQL).
- Proficiency in programming and developer tools such as Python, R, and Databricks in a finance or analytics field.
- Experience in leading high-performing teams of analysts.
- Experience in working with non-traditional data such as social media will be a big plus.
- Prior model-building experience is a plus but not critical.
- Possesses an analytical mindset and strong problem-solving skills.
- Attention to detail and ability to multitask.
- Comfortable working in a fast-paced environment and dealing with ambiguity.
- Possesses strong communication, interpersonal, and presentation skills; and ability to engage and collaborate with multiple stakeholders across teams.
- Extremely proactive communicator willing to raise flags when needed and keep team members informed of ongoing risk or fraud-related activities.
QUALIFICATION:
- Quantitative background in engineering, statistics, math, economics, business, or related disciplines.
