Data Scientist

Summary

Join Credit Key, a leading provider of flexible payments for B2B transactions, as a Data Scientist Manager. This hands-on role focuses on credit and fraud risk management and analytics for Product and Marketing teams. You will leverage unique data to solve business problems, build risk management infrastructure, and drive key insights. Responsibilities include proposing and analyzing tests to enhance credit risk, creating fraud mitigation strategies, partnering with data providers, conducting A/B testing, developing credit models, and executing risk tracking and reporting. The role requires strong data analysis skills, experience in a lending organization, and excellent communication abilities. Credit Key offers a competitive compensation package, great healthcare benefits, 401k match, fully remote work with flexible schedule, and a supportive team environment.

Requirements

• Bachelor’s Degree in STEM field
• Minimum of 2 years of experience in a Data Scientist role at a lending organization (Fintech, bank, credit union, etc.)
• Prior experience with large complex time series datasets at a financial institution
• Deep hands-on experience in data analysis (writing your own code) utilizing tools such as Python, R, SQL, Tableau, SAS, or equivalent
• Experience in financial modeling to determine business cost benefit results from A/B testing
• Strong communication skills to influence key stakeholders including executive management, partner bank, and debt facility teams
• A team player attitude with the ability to communicate clearly with both technical and non-technical stakeholders and handle ambiguity

Responsibilities

• Propose, implement, and analyze testing to further enhance key features of our credit risk framework including approvals, line assignment, pricing, and term lengths
• Create new strategies to identify and mitigate fraud risk across the credit lifecycle- from new applications, to real time transaction authorizations, to account management
• Partner directly with industry leading small business lending data providers to optimize use of existing data and explore and assess new data providers to improve our credit and fraud strategy performance
• Create, execute, and analyze A/B testing experiments to improve credit performance
• Develop, validate, and implement proprietary credit models using our unique data to drive our acquisition and account management risk strategies
• Develop and execute credit and fraud risk tracking and credit bureau reporting
• Work in a very cross-functional, fast paced environment with key stakeholders in Finance, Product, Marketing, and Operations

Preferred Qualifications

• Master’s Degree
• Prior first line of defense credit or fraud risk management experience at a Fintech, BNPL, and/or Small Business Lending experience
• Experience utilizing consumer and commercial credit bureau score and tradeline data to enhance credit strategies

Benefits

• Competitive Compensation Package with equity and paid time off
• Great Healthcare Benefits
• 401k Match
• 100% Remote. Flexible Work Schedule & Location
• Supportive, low ego, highly collaborative team environment
• Work From Home Stipend