Data Science Director

4 weeks ago


San Francisco, California, United States Nova Credit Full time

Job Title: Data Science Director

About the Role:
At Nova Credit, we're on a mission to make financial access easier, no matter where you're from or where you go. We've built a platform that enables lenders to access a single, predictive cross-border credit database to help underwrite immigrants and other global citizens. In effect, we are the first global infrastructure for financial identity to seamlessly move around the world. We're passionate about financial inclusion and committed to building a diverse and fulfilling work culture.

Key Responsibilities:
• Lead the Cash Analytics team in their work with bank transaction data to develop categorization, affordability insights, and scores for credit underwriting strategies.
• Leverage and integrate data streams to deliver reporting and analytic insights focusing on providing end users with superior credit, risk, underwriting strategies, model risk management, and governance.
• Research and contribute to the formulation of Nova Credit's long-term data strategy with global credit bureaus, alternative data providers, and evolving predictive data sources.
• Develop a robust customer-facing knowledge base and set of tools to communicate the intricacies of Nova Credit's platform, bureau integrations, and data assets. Support Business Development and Success teams in product expansion, inquiry, and resolution work streams.
• Interface with engineering management to guide the stable and reliable deployment of DnA insights into product knowledge.
• Lead and support a small team of Data Scientists in building out our global data and analysis strategy.

What You'll Achieve:
• Understand Nova Credit's bank transaction analytics strategy.
• Contribute to our cash flow underwriting module.
• Meet the team and explore their skills/competencies.
• Design and support the implementation of cashflow analytic tools for underwriting on both expense and income dimensions.
• Work with the Analytics team to design and calibrate an affordability score using bank transaction data.

Requirements:
• 7+ years of experience working with cashflow and credit underwriting analytics, credit and bank transaction data, and strategy development.
• Experience in consumer financial services; should have the capacity to develop industry-standard analyses and tools.
• Experience in model governance and risk management, leveraging regulatory principles such as SR 11-7.
• Relevant Ph.D. or Master's preferred (e.g. Economics, Statistics, Operations Research).
• Experience with machine learning and statistical modeling tools.
• Intellectual curiosity is essential along with creativity and technical expertise as you work with data from diverse sources to develop powerful insights.

What We Offer:
• Competitive salary range: $203,000 - $229,000, dependent on the candidate's individual experience, skills, education, location, and qualifications.
• We consider all elements of compensation as a part of the value we provide to Novans. This may include base salary, equity grants, incentive compensation for eligible roles, professional development, flexible PTO, and tenure rewards.
• We offer U.S.-based Novans competitive, employer-subsidized medical, dental, and vision plans, in addition to mental health and wellness benefits and a range of other benefits & perks.

About Nova Credit:
• Nova Credit API for global consumer credit information.
• Company Size: 51 - 250 People
• Year Founded: 2016
• Country: United States
• Company Status: Actively Hiring



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