Full-Time

Head of International Credit and Data Science

Confirmed live in the last 24 hours

Empower

Empower

51-200 employees

Personal finance management and credit building services

Fintech
Financial Services

Senior

Remote in USA

Remote-first company with travel for company offsites expected at least 2 times a year.

Category
Data Science
Data Analysis
Data & Analytics
Required Skills
Product Management
Marketing
Data Analysis
Requirements
  • Bachelor’s degree in Engineering, Business, Finance, Computer Science, or Mathematics
  • 8+ years of industry experience in data analytics and credit risk management
  • 4+ years leading teams of analysts
  • Experience either building models from scratch or leading teams that have done so
  • Experience solving credit problems in Latin American or South East Asian markets
  • Eagerness to learn new tools and analytical methods, staying up to date with innovative trends and new products in the industry
  • Exceptionally strong problem solving and communication with the ability to both get in the weeds and communicate to an executive audience
  • Preference for candidates located in Pacific Time (PT) or Asia time zones such as Singapore (SGT), Hong Kong (HKT), or Japan (JST) to facilitate collaboration across regions.
Responsibilities
  • Develop and review proposals for new credit policies and risk models for Empower’s international businesses
  • Build out frameworks, infrastructure, and controls to manage credit programs with high quality
  • Work with Empower’s leadership team to build out strategy and growth plans while managing financial outcomes
  • Partner with geography leaders in product, engineering, marketing, and finance to ensure that the team’s work fits within the larger picture
  • Mentor junior and mid level analysts and data scientists to grow and develop
  • Hire talented team to staff new projects as the business grows

Empower.me provides personal finance management and credit building services through a subscription-based model. Users can sign up for a 14-day free trial, after which they pay $8 per month for access to various financial tools. These tools include customizable payment plans, budgeting features, and credit score monitoring. A key aspect of Empower.me is its focus on helping users build credit by reporting their payments to credit bureaus, which can enhance their credit history if payments are made on time. Additionally, Empower.me offers a Thrive line of credit, which involves a soft inquiry on the user's credit report, ensuring that their credit score remains unaffected during the application process. Unlike many competitors, Empower.me specifically targets individuals with no minimum credit score, aiming to improve their financial health and credit standing.

Company Stage

Debt Financing

Total Funding

$96.8M

Headquarters

San Francisco, California

Founded

2016

Growth & Insights
Headcount

6 month growth

21%

1 year growth

35%

2 year growth

121%
Simplify Jobs

Simplify's Take

What believers are saying

  • The acquisition of Petal and Cashalo expands Empower.me's market reach and enhances its service offerings.
  • Partnerships with platforms like NerdWallet increase Empower.me's visibility and credibility in the fintech space.
  • Empower.me's ability to attract significant investment, such as the $150 million raised by founder Warren Hogarth, indicates strong financial backing and growth potential.

What critics are saying

  • Negative reporting for missed payments could deter potential users concerned about the impact on their credit scores.
  • The competitive fintech landscape requires continuous innovation to maintain a unique value proposition and customer loyalty.

What makes Empower unique

  • Empower.me focuses on individuals with no minimum credit score, offering a unique opportunity for those typically underserved by traditional financial institutions.
  • The company's subscription-based model with a 14-day free trial lowers the barrier to entry, making it accessible for users to try the service before committing.
  • Empower.me's emphasis on credit building through payment reporting to credit bureaus sets it apart from other personal finance management tools.

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Benefits

Generous equity package

Full healthcare benefits

Unlimited PTO

Technology expense reimbursement

Work from anywhere