Data Scientist II

Position: Data Scientist II

Hours of Work:

Monday through Friday: 8:30AM-5:00PM

Full-time, Exempt

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs. Work hours will depend on the business hours of the time zone serviced.

In This Role, You Will…

Work within the Risk Management department utilizing data science to improve business results and reduce risk. Collaborate with data scientists and other teams by performing controlled experiments, including A/B testing, model building, and monitoring. Independently contribute to a wide range of data science projects, taking ownership while expanding data exploration skills and increasing data knowledge. Organize data reports and communicate findings to technical and non-technical audiences.

Responsibilities and Essential Duties:

• Use modeling/statistical techniques, data processing skills, and tools such as SQL, Python, AWS, and SAS to develop and maintain credit and collection risk, pricing, fraud models, and analytical strategies that will optimize business decisions across channels.
• Design and implement A/B tests to evaluate the effectiveness of different strategies and features. Analyze test data to derive actionable insights and recommendations for business improvements.
• Maintain up-to-date model inventory and chronology of model prediction via visualization tools such as PBI.
• Develop and maintain systems to monitor the performance of predictive models. Identify performance degradation and recalibrate models as necessary to ensure accuracy and reliability.
• Support the business by conducting ad hoc portfolio analyses and developing recommendations aimed at improving portfolio performance and profitability.
• Collaborate with partners across the organization in cross-functional projects to execute on key business priorities.
• Organize data reports and communicate findings to technical and non-technical audiences.
• Work closely with internal teams to integrate machine learning models into production systems. Provide technical guidance on the use of AWS services for machine learning applications.
• Conduct evaluation of tools in AWS ML end-to-end pipeline environment.
• Assist in the development and deployment of machine learning models, including data preprocessing, feature engineering, model training, and evaluation. Ensure models are scalable, efficient, and integrated seamlessly into our AWS environment.
• Conduct evaluation of new statistical approaches and enhanced segmentation to optimize approval and advance assignment strategies.
• Study new data sources for additional lift to business decisions. Provide recommendations as to cost/benefit analyses of new data sources.
• Stay abreast of the latest trends and developments in machine learning and financial technologies. Propose and prototype new models or algorithms to address business challenges. Evaluate, recommend, and champion new modeling data, tools, techniques, and approaches.
• May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.

Required Qualifications:

• Undergraduate or a postgraduate degree in Mathematics, Statistics, Computer Science, Economics, Data Science, or a related field.
• At least three (3) years of experience in Data Science with a focus on A/B testing, model tracking, and ML engineering.
• Strong experience in programming languages such as SQL, Python.
• Experience with AWS cloud services, especially those related to machine learning (e.g., S3, EC2, Lambda, SageMaker).
• Working knowledge of machine learning frameworks (e.g., TensorFlow, PyTorch) and libraries (e.g., scikit-learn, Pandas).
• Advanced abilities to handle large datasets.
• Results-oriented individual with the ability to translate plans into actions.
• Ability to work in a fast-paced environment; ability to multi-task, change direction, effectively prioritize, and meet deadlines with both local and remote staff.
• Excellent interpersonal skills necessary to communicate professionally and effectively, verbally and in writing, with vendors, service dealers, customers, and all levels of company staff.
• Proficiency in Microsoft Office Suite.
• Highly-motivated self-starter with strong work ethic, exceptional attention to detail, and ability to support multiple initiatives simultaneously.
• Strong analytical, problem-solving, and organizational skills.
• Ability to work with minimal supervision and to independently determine tasks to complete on a daily basis.
• Demonstrate a strong commitment to continuous learning, actively seeking out opportunities to acquire new skills and stay abreast of industry trends.
• Ability to work both independently and collaboratively with teams across and at all levels of the organization.

Preferred Qualifications:

• Experience in consumer lending/financial services.

Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.

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