Enova Data Scientist at Enova responsible for developing and testing credit risk models to manage customer portfolios and drive growth. Collaborates with Strategy and Operations to implement A/B testing and communicate insights to senior management.
Responsibilities
We are seeking a talented Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in managing our existing customer portfolio and determining ways to drive growth while balancing risk. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the pricing and credit models that power Enova’s business. You will demonstrate the ability to interpret and organize data, and communicate it effectively to cross functional teams to solve business problems, provide requirements, and support implementation.
Our models power our lending decisions, providing critical risk insight to enable competitive and profitable loan offers. Your role will be essential in improving and managing this fundamental area of our business.
Develop and refine proprietary models to assess customer credit profile
Collaborate closely with the Strategy and Operations team to drive new initiatives
Design and implement A/B testing frameworks to evaluate the performance of our models, analyzing outcomes to drive continuous improvement
Communicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strategies
Qualification
Degree in Statistics3+ years of experience in Data ScienceExperience in financial services
Required
Degree in Statistics, Mathematics, Economics, Computer Science, or a related field
3+ years of experience in Data Science, Analytics or related field
Advanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python)
Experience working with relational databases, such as SQL
Excellent knowledge in applied statistical methods and machine learning models
Strong problem-solving skills and the ability to work independently in a fast-paced, dynamic environment
Experience in financial services, fintech, or a related industry preferred
Preferred
Experience in financial services, fintech, or a related industry
