Guide the evaluation and refinement of underwriting criteria by applying A/B testing and regression techniques to credit scoring models. Ensure policies effectively differentiate between risk segments to minimize default rates while maintaining growth targets.
Partner with Business Units to develop and test pricing strategies. Focus on the intersection of market positioning and long-term customer repayment behavior to ensure sustainable portfolio health.
Utilize real-time repayment data to identify opportunities to adjust policies—tightening or loosening credit barriers based on shifting macro-economic or cohort-specific trends.
Serve as a bridge between data science and business units, evaluating all new growth initiatives against the organization’s risk appetite and long-term financial performance.
Develop and execute advanced data models to solve complex business problems, moving beyond descriptive reporting into prescriptive strategy.
Design and manage high-impact dashboards (Tableau, Looker, or Power BI) that track KPIs and "early-warning indicators" of credit stress, enabling senior managers to make rapid, informed choices.
Work with engineering teams to optimize data pipelines and workflows, ensuring that the data used for underwriting and pricing is accurate, low-latency, and scalable.
Drive the definition and monitoring of success metrics that align business operations with financial sustainability and operational efficiency.
Own the full lifecycle of complex analytical projects, ensuring they are delivered on time, within scope, and across multiple departmental stakeholders.
Apply business process expertise to provide actionable recommendations that connect technical insights with field-level execution.
Requirements
A bachelor’s or master’s degree in data science, business analytics, computer science, or a related quantitative field.
7+ years of experience in business intelligence or strategic evaluation, with a strong preference for candidates with a background in Credit Risk, Fintech, or Financial Services.
Proven track record of designing and deploying automated underwriting engines that combine machine learning models with heuristic business rules to optimize portfolio ROI.
Proficiency in SQL is a must, Python an added advantage.
Prior experience in Project Management.
Experience in data visualization tools like Tableau, Looker, or Power BI to create compelling, actionable insights.
A strong business mindset with the ability to understand and address cross-functional business problems and strategic opportunities.
Strong statistical understanding and the ability to apply statistical methods and models like Price Elasticity Modeling to solve business problems and inform decision-making.
Exceptional storytelling and communication skills, with a demonstrated ability to convey insights to both technical and non-technical audiences.
Experience with cloud platforms (AWS, GCP, Azure) is a plus but not required.
Tech Stack
AWS
Azure
Cloud
Google Cloud Platform
Python
SQL
Tableau
Benefits
Professional growth in a dynamic, rapidly expanding, high-social-impact industry
An open-minded, collaborative culture made up of enthusiastic colleagues who are driven by the challenge of innovation towards profound impact on people and the planet.
A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun King Center for Leadership.