Job Location: United States
Job Detail:
EXECUTIVE SUMMARY OF RESPONSIBILITIES
The credit Analytics/Risk Analyst will help shape business strategy and product development decisions through data-driven insights. This is an exciting role for someone to make a direct impact on risk, product, and revenue strategy of Lendistry. Success in this role hinges on your technical aptitude, quantitative abilities, and business acumen: you know how to plow through data with SQL/Python/R/, surface insights using math/statistics/ML techniques, and measure the business impact using efficiency/conversion/profit metrics.
ABOUT LENDISTRY
Lendistry is the country’s largest minority-led and technology-enabled small business and commercial real estate lender with Community Development Financial Institution (CDFI) and Community Development Entity (CDE) certification. We are a national employer whose mission is to provide economic opportunities and progressive growth for small business owners and their underserved communities as a source of financing and financial education.
GENERAL RESPONSIBILITIES
- The credit strategy senior analyst will support the Consumer Credit department by leveraging big data technologies to aggregate and structure data, perform statistical analysis, and build algorithmic solutions to reduce credit losses.
- Manage and support the implementation of credit and fraud strategies in the decisioning platform
- As a member of the credit risk team, you will research and develop new methodologies and techniques to improve the overall effectiveness of risk management.
- Mine and analyze massive amounts of unique internal and external data to gain deep business knowledge and insight on customer activity and usage behaviors and their relationships with fraud, credit risks, and other types of behaviors.
- Acts as the technical owner of projects that may require significant customization of existing analytic tools, techniques, processes, or development of new ones.
- Perform statistical data analysis and understanding, ensure data quality, and develop tracking and reporting systems to determine the effectiveness of models, rules, and other risk initiatives and programs.
- Design and create systems to structure, aggregate, and turn petabytes of messy information into statistically significant features for modeling purposes.
- Manage and implement new risk strategies in our Risk Systems.
PROFICIENCIES
- Excellent verbal and written communication skills.
- Strong knowledge of 1 or more scripting and programming languages (Python, Java, SQL, Scala, etc.)
- Background in a variety modeling techniques: GBM, logistic regression, clustering
- Experience in utilizing and implementing credit strategies in decision engine systems like Provenir, GDS-Link, Zoot, etc is a plus.
- Sophisticated word processing and computer database skills, especially in Microsoft Word, PowerPoint and Excel.
- Ability to think creatively and innovatively.
- Good interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels, ability to work independently and as part of a team.
- Strong analytical ability with active listening skills.
EDUCATION AND EXPERIENCE
- Bachelors degree in a quantitative field: engineering, math, statistics etc. MS/PHD preferred
- 3+ years of experience in business analysis, customer segmentation, and/or predictive modeling, preferably in the financial services industry
- 2+ years in using machine learning packages such as Python, R, SAS
SALARY RANGE
- $69,900 to $103,300/annually depending on experience and location
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
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