Small Business Credit Analytics Lead

Summary

Join Ocrolus's Small Business team and leverage your expertise in SMB credit risk and technical skills to build high-quality data products. Analyze large datasets of financial data to identify insights and product opportunities. Partner with various stakeholders to develop and commercialize analytical and data products. Lead Ocrolus's analytical and data science efforts, mentoring colleagues. Interact with clients as a subject matter expert. Develop robust and scalable models, translating business challenges into data science problems. Own the entire lifecycle of data science models, from development to deployment and improvement. This role offers the chance to make a significant impact on the future of lending.

Requirements

• 7+ years of professional experience in risk management, analytics, and/or data science, building decision strategies and building/deploying predictive models in a production environment
• Significant knowledge of small business credit, including underwriting, pricing, and portfolio management
• Experience and curiosity with using LLMs and cutting-edge AI tools to create novel products and solutions
• Full stack data-science/analytics experience: ideating, building, deploying, monitoring, and maintaining production ML models that solve real-world needs
• Deep understanding of statistics, probability, and machine learning algorithms
• Strong software engineering and data engineering fundamentals. Excellent programming skills in Python and proficiency with core data science libraries (e.g., pandas, scikit-learn, Hugging Face)
• Excellent SQL skills and comfort working with large and complex data warehouses (Snowflake/Postgres
• Bachelor’s or Master’s degree in a quantitative discipline (e.g., Computer Science, Statistics, Math, Engineering)
• The ability to communicate and present complex technical topics and results to various audiences. Skilled in collaborative and compelling communication with clients and prospects
• Passion for understanding the “why” of the problem and the impact of solutions on client outcomes

Responsibilities

• Analyze large, diverse, and unique datasets around business cash flow, financial health, credit, marketplace dynamics, and repayment performance to unearth powerful insights and identify compelling product opportunities
• Partner with Product, Engineering, senior management, and other stakeholders to develop and commercialize analytical and data products that will drive impact for our clients and gain adoption in the market
• Lead Ocrolus’ analytical and data science efforts to research and develop new data and decisioning products, including mentoring colleagues from a business and technical standpoint
• Interact with clients and prospects as a subject matter expert on small business credit and the Ocrolus suite of analytics and decisioning products
• Develop robust, scalable, and efficient models, thoughtfully balancing algorithmic complexity against interpretability, customer needs, and delivery timelines
• Translate ambiguous business challenges into well-defined data science problems
• Own the end-to-end lifecycle of data science models, from data exploration and feature engineering to deployment, monitoring, and continuous improvement in production

Preferred Qualifications

• Experience working with messy, real-world financial data (e.g., bank transaction streams, financial statements, credit reports)
• Portfolio of past data science/analytics accomplishments (including source code)

Benefits

• Equity
• Benefits