Senior Data Scientist - Credit

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.

The Senior Data Scientist position will analyze data and build models to develop new strategies and opportunities to improve loan originations and credit performance. You will utilize analytical tools to mine credit and performance data to surface opportunities in our acquisitions funnel and underwriting process. You will review relevant data to identify the quantitative and qualitative factors driving the credit risk for consumer loans.

If you are a motivated analytical professional seeking to make a significant impact in the lending industry, we encourage you to apply for the position of Senior Data Scientist at Above Lending. Join our team and contribute to our mission of providing responsible financial solutions to borrowers.

• Analyze large, complex datasets to identify trends, patterns, and actionable insights.
• Analyze credit report data, trade-line data, application data, bank transaction data and past loan performance to make recommendations on changes to eligibility and credit underwriting
• Build, validate, and deploy statistical, machine learning, or AI models to predict credit risk, customers behavior and solve business problems.
• Partner with cross-functional teams (Product, Marketing, Operations, Engineering) to frame problems, gather requirements, and deliver solutions.
• Explore ways to systematize methods to uncover highest value ways to improve loan performance and predict it more accuratelyPrepare detailed credit strategies and present findings to senior management, highlighting key risk factors and recommendations.
• Collaborate with cross-functional teams, such as sales, operations, and legal, to gather necessary information and ensure a smooth and efficient underwriting process.
• Stay up to date with industry regulations, compliance requirements, and best practices in credit analysis to ensure compliance and drive continuous improvement.
• Design and implement experiments (e.g., A/B tests) and analyze their results.

• Master’s degree in Statistics, Data Science, Computer Science, Engineering, or other quantitative field
• 2-10 years prior modeling experience in the consumer lending industry, preferably credit card, personal loans or auto loans
• Prior experience building and/or overseeing development of predictive models that predict consumer behavior
• Strong analytical and financial modeling skills, with the ability to interpret complex financial data and draw actionable insights
• Proficiency in using credit scoring models, financial analysis tools, and Google Suite
• Solid understanding of lending principles, credit risk assessment, and regulatory frameworks
• Excellent attention to detail, time management, and organizational skills to handle multiple tasks and meet deadlines
• Strong communication and interpersonal skills to collaborate effectively with cross-functional teams and communicate complex credit information in a clear and concise manner

• Strong SQL skills and proficiency
• Strong Python (NumPy, Pandas, Scikit-learn, TensorFlow, Seaborn, LightGBM, XGBoost, Statsmodels, etc) and/or R
• Logistic Regression Modeling, ML modeling (GBM, EGBoost), Decision Trees, Random Forest, etc.
• Proficient Excel skills
• Experience with data visualization tools (e.g., Tableau, Power BI, Looker, etc.)

• Considerable employer contributions for health, dental and vision programs
• Flexible time-off policy
• 401(K) match with immediate 100% vesting
• Merit advancement opportunities

$120,000 - $160,000 a year

This role is eligible for additional incentives, including an annual bonus. These rewards are allocated based on level, impact and performance in the role

The compensation range is based on the level outlined in the job posting, and compensation decisions are dependent on each applicant's experience, skills and abilities.

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.

Under the California Consumer Privacy Act (“CCPA”), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together “job applicants”) about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

*Above Lending is an equal opportunity Employer*

Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions. No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams. No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.