Data Scientist

4 weeks ago

Irvine, United States PatientFi Full time

Data Scientist


ESSENTIAL FUNCTIONS:

To perform this job successfully, an individual must be able to perform each essential function at a high degree of proficient execution with little or no accommodation. The requirements listed below are representative, but not all inclusive, of the knowledge, skill, and/or ability required.


  • Conceive, design & monitor risk management strategies to improve business profitability in the areas of underwriting, credit line management, universe expansion and alternative data evaluation for lending
  • Participates in maintaining, developing, and implementing models includes design, development, validation, calibration, documentation, implementation, monitoring and reporting
  • Provides expertise to build and improve quantitative and qualitative models for various models (including CECL, Prepayment, Weighted Average Remaining Maturity (WARM), Probability of Default and Loss Given Default (PD/LGD) methodologies)
  • Compiles, analyzes, and resolves data errors/inconsistencies from various financial reporting systems
  • Collaborates with business groups to develop effective modeling approaches to accurately represent the risks for practical business use
  • Carries out regular model performance monitoring and produces comprehensive monitoring reports
  • Supports analysis and reporting in stress testing models
  • Develop credit policies for new lending products and iterate to improve underwriting criteria and loan amount/pricing strategies to maximize risk adjusted return and profitable revenue growth
  • Determine underwriting criteria using new credit risk models in partnership with our data and finance team
  • Set procedures to monitor risk and revenue of all credit products and performance across various lending partnerships
  • Use machine learning and performance by variable to dynamically segment applicants and loans based on behavior and performance
  • Recommend optimal segmentation strategy to build different models for different consumer segments
  • Optimize underwriting criteria, risk-based pricing strategy, and collection strategy by leveraging data analytics
  • Work with data team to track and analyze performance of various business and risk segments and programs to evaluate effectiveness
  • Write LookML and SQL queries and build dashboards in Looker
  • Supports ad hoc analytical projects, business analyses, and reporting


REQUIRED:

  • Bachelor's degree (required) or advanced degree (preferred) in a quantitative field (mathematics, statistics, computer science, engineering)
  • 2+ years of experience in Data Science, Credit Risk, Fraud Risk, Quantitative Analytics, Operations Analytics, Modeling or related field
  • 2+ years of relevant experience within consumer credit risk management, ideally at a FinTech startup or lending company; bonus points for healthcare experience prefer
  • 2+ years of experience in designing and authoring reports/dashboards using Looker (and similar tools like Tableau, Power BI) is required
  • Preferred Experience in implementingDataPipelines leveraging Google Cloud products such as Cloud BigQuery, Cloud DataFlow, Cloud Pub/Sub, Cloud BigTable
  • Understanding of data warehousing concepts, design, modeling, data engineering
  • Work experience in Financial Services, preferably at a FinTech or consumer lending company, building risk strategies for several credit products (loans, lines of credit, credit cards). Experience in point-of-sale Healthcare a plus
  • Familiarity with bureau data and alternate data is a strong preferred
  • SQL experience, with programming experience in Python preferred
  • knowledge on Cash flow modeling and loss forecasting is a plus
  • Proven proficiency in basic statistics
  • Skilled in analyzing, interpreting and summarizing data

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