Senior Data Scientist @ Above Lending

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.

The Senior Data Scientist position will analyze data and build models to develop new strategies and opportunities to improve loan originations and credit performance. You will utilize analytical tools to mine credit and performance data to surface opportunities in our acquisitions funnel and underwriting process. You will review relevant data to identify the quantitative and qualitative factors driving the credit risk for consumer loans.

If you are a motivated analytical professional seeking to make a significant impact in the lending industry, we encourage you to apply for the position of Senior Data Scientist at Above Lending. Join our team and contribute to our mission of providing responsible financial solutions to borrowers.

You Will:

Analyze credit report data, trade-line data, application data, bank transaction data and past loan performance to make recommendations on changes to eligibility and credit underwriting
Develop models to predict a consumer’s likelihood to not payback a loan
Explore ways to systematize methods to uncover highest value ways to improve loan performance and predict it more accurately
Prepare detailed credit strategies and present findings to senior management, highlighting key risk factors and recommendations.
Collaborate with cross-functional teams, such as sales, operations, and legal, to gather necessary information and ensure a smooth and efficient underwriting process.
Stay up to date with industry regulations, compliance requirements, and best practices in credit analysis to ensure compliance and drive continuous improvement.

You Have

Master’s degree in Statistics, Data Science, Economics or other quantitative field
2-7 years prior experience in the consumer lending industry, preferably credit card, personal loans or auto loans
Prior experience building and/or overseeing development of multivariate models that predict consumer behavior
Strong analytical and financial modeling skills, with the ability to interpret complex financial data and draw actionable insights
Strong SQL skills and proficiency in open-source programming languages such as Python and/or R
Proficiency in using credit scoring models, financial analysis tools, and Google Suite
Solid understanding of lending principles, credit risk assessment, and regulatory frameworks
Excellent attention to detail, time management, and organizational skills to handle multiple tasks and meet deadlines
Strong communication and interpersonal skills to collaborate effectively with cross-functional teams and communicate complex credit information in a clear and concise manner

We Offer:

While you make a difference for others, we’ll work to make a difference for you, providing an uplifting, collaborative work environment and benefits that reflect your value to us. For eligible full-time employees, we offer:

-Considerable employer contributions for health, dental and vision programs

-Generous PTO policy, Company Holidays, and Floating Holidays

-401(K) match with immediate 100% vesting

-Quarterly discretionary bonuses

-Merit advancement opportunities

-Career development & training

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.

Under the California Consumer Privacy Act (“CCPA”), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together “job applicants”) about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

*Above Lending is an equal opportunity Employer*

Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions. No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams. No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.

Senior Data Scientist

Credit

Above Lending

You Will:

You Have

6 month growth

1 year growth

2 year growth

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