Data Scientist

Credit Key is the leading provider of flexible payments for B2B transactions. Credit Key empowers businesses to offer their customers greater access to capital with flexible payment terms.

Credit Key is seeking a Data Scientist Manager to join our rapidly expanding team.  The Data Scientist Manager’s primary responsibilities are in credit and fraud risk management along with analytics for Product and Marketing teams.  This is a ‘hands-on’ analytics role with the ability to drive significant results and key insights while leveraging our unique mix of credit, transaction, and payment data.  The ideal candidate will be able to independently dig deep into data to solve challenging and fast paced business problems while also helping to build a leading risk management infrastructure and strategy.  

What you'll do

• 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.

What we look for

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

Why you want to work with us:

• 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