This is a fully remote position, open to applicants in United States.

📋 Description

• Report directly to the Vice President of Risk

• Assist in developing consumer underwriting strategies focused on profitability

• Utilize complex data sources and machine learning techniques

• Collaborate with technology teams and senior leadership to formulate strategies that optimize credit risk, fraud risk, and various factors across underwriting, portfolio management, and collections

• Oversee acquisition, portfolio, and collection performance throughout the account lifecycle

• Evaluate consumer credit risk, fraud risk, lease terms, channel performance, and other essential metrics

• Merge bureau, alternative, behavioral, macroeconomic, and internal portfolio data to create actionable insights

• Perform statistical and decision-tree analyses to uncover root causes and business opportunities

• Present findings to leadership

• Collaborate with technology teams to facilitate the implementation and validation of strategies

• Continuously evaluate risk strategies to enhance financial performance while improving customer and merchant experiences

⛳️ Requirements

• Master's degree in a quantitative field (Statistics, Economics, Business/Data Analytics, or a related area)

• Minimum of 18 months' experience in developing quantitative and statistical models within the consumer financial lending or lease-to-own (LTO) sectors

• Proficient in using Python, R, and Excel for statistical analysis

• Experience in creating pivot tables

• Familiarity with decision-tree modeling tools for predictive analysis