Senior Data Scientist, Credit Risk Analytics

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $129k - $179k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

🦅 H1B Visa Sponsor

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Prosper Marketplace

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2005

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Prosper Marketplace is a pioneering financial technology company founded in 2005, known for being the first peer-to-peer lending marketplace in the United States. The company facilitates a range of financial solutions including personal loans, credit cards, and home equity loans, alongside investment opportunities in personal loans. They aim to help individuals improve their financial well-being by offering low-interest fixed-rate personal loans, debt consolidation, credit card solutions, and home equity lines of credit. Prosper Marketplace also promotes financial education through their resources hub, blog, and newsletters. With over $28 billion in loans facilitated, Prosper is dedicated to providing secure, fast, and fair financial services to its users.

📋 Description

• Build machine learning models for managing credit and fraud risks • Leverage complex data sources, including credit bureau reports and customer-supplied information, to develop credit and fraud strategies • Improve credit performance and optimize risk decisions • Collaborate with engineers to deploy models into production • Propose and execute solutions within business constraints • Apply responsible AI techniques in accordance with regulatory requirements and lending best practices • Develop tools and workflow solutions to increase data science productivity • Monitor credit risk models in production • Extract value from data to impact key business metrics • Assess the usefulness and validity of machine learning algorithms and features across data sources • Conduct ad-hoc analysis related to risk management, investor services, operations, and corporate development • Participate in recruiter, department, technical, and team/virtual interviews

🎯 Requirements

• 3+ years of work experience in fintech, finance, or other high-impact fields applying statistical and machine learning predictive techniques; educational experience taken into consideration • Consumer lending experience in unsecured personal loans or credit cards is a plus • Advanced degree (M.S./PhD), preferably in statistics, computer science, engineering, physical sciences, economics, or a related technical field • Sr. level: M.S. with 6+ years of experience or PhD with 3+ years of experience • Expert knowledge of a statistical programming language such as Python • Expert knowledge of database languages such as SQL • Solid understanding of coding best practices and model documentation • Ability to communicate technical subject matter clearly and succinctly to team members and senior management • Ability to collaborate across functions and develop strong relationships • Ability to work unsupervised in a fast-paced environment and prioritize parallel projects • Ability to work within regulatory guidelines with a mindset toward reproducible research • Self-motivated, results-oriented, enthusiastic, and creative • Qualified non-US citizens may be considered; Prosper will provide green card sponsorship

🏖️ Benefits

• 401(k) with a 5% company match • Flexible time off • Paid parental leave • Annual wellness allowance • Comprehensive health coverage • Udemy access • Childcare assistance • Pet insurance • Additional savings through Beneplace • Flexible work arrangements, including fully remote work or work from San Francisco or Phoenix offices • Bonus

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