Divine
Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can't prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear: serving the global majority remains structurally unprofitable for traditional institutions.
1 - 10 employees
Founded 2024
Quantitative Risk Researcher
October 23
🇺🇸 United States – Remote
⏰ Full Time
🟡 Mid-level
đźź Senior
🎲 Risk
🦅 H1B Visa Sponsor
Divine
Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can't prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear: serving the global majority remains structurally unprofitable for traditional institutions.
1 - 10 employees
Founded 2024
đź“‹ Description
• Design, maintain, and optimize credit risk models • Analyze historical loan performance to calibrate risk parameters • Develop tools, alerts, and analytics to test, validate, and monitor risk and user behavior • Collaborate with engineering to implement quantitative models in production • Research and propose model improvements based on emerging data patterns
🎯 Requirements
• Master's or Ph.D. in a quantitative field such as mathematics, statistics, economics • Strong expertise in credit risk modeling • Track record of developing risk models deployed in production at scale • Strong ability in Python, SQL, and programming for data analysis • Exceptional problem-solving skills and attention to detail • Experience with DeFi protocols, especially lending or credit systems • Familiarity with blockchain data indexing and onchain analytics • Experience managing and optimizing a loan portfolio
🏖️ Benefits
• Health insurance • Professional development opportunities
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