Associate – Credit Risk
Posted on 3/25/2023
Experience Level
Desired Skills
Data Analysis
Data Science
  • BA/BS degree with specialization in business, finance, economics, statistics, computer science
  • Strong analytical and data science skills including knowledge of Statistical concepts like Hypothesis testing, Confidence Interval, etc and Machine Learning techniques such as XGBoost, Random Forest, Linear Regression
  • Hands on experience with data analytics/programming tools such as SQL, R/Python is required
  • Strong problem solving skills, with demonstrated intellectual rigor as well as strong interpersonal and communication skill
  • Aptitude and interest in learning about business processes, and applying data science techniques and analysis in improving key metrics
  • Experience Interpreting analysis, test, and model results, and make informed recommendations across all levels of the business
  • Experience in banking / consumer lending industry preferred
  • Experience in risk analytics (model development, strategy and framework, scorecard development, documentation, validation, governance, implementation and automation etc.) will be a strong advantage
  • Understanding of credit bureaus and non-traditional data providers will be a plus
  • Day 1 - Month 3: Define Your Mission You'll understand our company mission, values, and vision, and how your position at OppFi plays a part in that. With the help of your manager, you'll set mission-aligned goals to make an impact in your role
  • Monitor customer portfolio and ensure adherence to the credit policy and procedures
  • Design and implement comprehensive analysis to evaluate portfolio risk as part of the credit review process including impact analysis from strategy changes
  • Leverage machine learning risk models and advanced analytics techniques to design long-term solution including enhancements of existing strategies and building new rules
  • Work with cross-functional team to identify credit risk improvement opportunities and build strategy to deliver incremental business value
  • Actively seek out opportunities to innovate by using non-traditional data and advanced analytic methodologies
  • Build report to track funnel conversion and identify insights from performance metric; summarize and present findings and recommendations to senior leadership
  • Conduct A/B testing when implementing new risk strategies or rolling out new product features
  • Work in close collaboration with other data scientists and analysts in the team in model development phase and plan to implement relevant business strategies

501-1,000 employees

Financial technology platform
Company Overview
OppFi's mission is to empower everyday consumers to rebuild financial health through facilitating credit access, enabling savings, and building wealth. The company build financial literacy products for all.
  • Generous vacation
  • Insurance benefits
  • 401(k) matching
  • Employee Assistance Program
  • Tuition reimbursement
  • Subsidies for childcare costs, free financial literacy tools, 6 paid weeks of parental leave
  • Collaborative and supportive company culture