Data Scientist

As our Data Scientist youll help drive Concora Credits Mission to enable customers to Do More with Credit every single day.

The impact youll 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. Thats 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 were looking to expand our team and are looking for people who foster innovation strive to make an impact and want to Do More! Were an established company with over 20 years of experience but now were taking things to the next level. Were seeking someone who wants to impact the business and play a pivotal role in leading the charge for change.

As 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 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 Credits 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

These 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 were looking for consider applying. Diversity has made us the entrepreneurial and innovative company that we are today.

Requirements:

• 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 science 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

Whats In It For You:

• 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

Concora 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).

Please see the Concora Credit Privacy Policy for more information on how Concora Credit processes your personal information during the recruitment process and if applicable based on your location how you can exercise your privacy rights. If you have questions about this privacy notice or need to contact us in connection with your personal data including any requests to exercise your legal rights referred to at the end of this notice please contact .