Job Location: Chennai, Bengaluru
Job Title : Data Scientist .
Job Location : Remote
Position Overview
We are growing our world-class team of mission-driven, entrepreneurial Data Scientists who are passionate about broadening financial inclusion by untapping insights from non-traditional data. Be part of the team responsible for developing and enhancing Oportuns core intellectual property used in scoring risk for underbanked consumers that lack a traditional credit bureau score. In this role you will be on the cutting edge working with large and diverse (i.e. data from dozens of sources including transactional, mobile, utility, and other financial services) alternative data sets and utilize machine learning and statistical modeling to build scores and strategies for managing risk, collection, take-up rates and fraud. You will also drive growth and optimize marketing spend across channels by leveraging alternative data to help predict which consumers would likely be interested in Oportun’s affordable, credit building loan product.
Responsibilities
Develop risk, profitability, fraud,and loss mitigation models used to provide affordable credit to serve those who are mis-scored by traditional credit bureaus, nearly half of Oportun’s customers’ do not have a valid FICO score
Discover insights from a myriad of data sources to understand and influence consumer financial behavior
Build data pipelines to prepare data for rapid learning in a scalable manner
Design and build machine learning and data infrastructure by partnering with data and production engineering teams
Develop new complex features to be used to build next generation of machine learning models by combining techniques and business acumen
Partner with production engineering team to deploy models, strategies, verification methods
Communicate and partner with third party data vendors
Qualifications
Master’s degree or PhD in Statistics, Mathematics, Computer Science, Engineering or Economics or other quantitative discipline (Bachelors’ degree with significant relevant experience will be considered)
5+ years of coding experience using machine learning toolset within Python, SQL, Spark, SAS and/or Scala; 5+ years of experience leveraging machine learning techniques such as Gradient Boosting, Logistic Regression, and Decision Trees, among others
5+ years of experience in working on risk based marketing and digital analytics; Preferably in financial services industry
5+ years of experience hands-on experiences with data extraction, cleaning, analysis and visualization; experience with non-structural data is a plus
Excellent written and oral communication skills
A relentless problem solver, out of the box thinker, and proven track record to drive business results in a timely manner
Experience working with AWS or other cloud-based platforms
Experience with HDFS, Hive, Shell script and other big data tools
Comfortable in a high-growth, fast-paced, agile environment
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