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Head of Credit Analytics

extra holidays - extra parental leave

Remote:

Full Remote

Experience:

Expert & Leadership (>10 years)

Work from:

Texas (USA), United States

Offer summary

Qualifications:

Bachelor’s degree in relevant field., MBA or advanced quantitative degree preferred., 10+ years in data science and analytics., Highly proficient in SQL, R, SAS, Python..

Key responsabilities:

Deliver analytics solutions for business operations.
Develop and manage forecasting and planning tools.

Self Financial, Inc. Fintech: Finance + Technology Scaleup https://www.self.inc/

201 - 500 Employees

See more Self Financial, Inc. offers

Job description

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

About the Role

The Head of Credit Analytics will lead a team responsible for business intelligence, predictive models, and ad hoc analysis in support of credit risk and business operations. This is a hands-on leadership role focused on developing talent, leading the creation of quantitative models, and delivering business intelligence solutions to drive Self’s growth as the premier credit building platform.

What you will do:

Deliver analytics solutions for underwriting, portfolio management, servicing and collections strategies, compliance, and accounting operations.
Develop collaborative partnerships with fraud and credit policy leaders to identify and deliver advanced analytics projects.
Develop accurate forecasting and planning tools that enable the business to predict future growth and set performance expectations.
Lead the creation of metrics and dashboards to proactively quantify and monitor credit risk and servicing activities.
Develop ML and other types of models for underwriting, transaction monitoring, and portfolio management.
Lead the credit loss forecasting and CECL reserve processes.
Support ad hoc analyses for servicing operations, compliance and accounting.
Conduct deep-dive analysis to identify risk drivers and surface opportunities for both growth and risk mitigation.
Develop institutional expertise with open banking (Plaid) data for underwriting analytics.
Develop organizational competency around the processes for developing, implementing, and monitoring predictive models.
Coach staff to achieve high level of performance and meaningful career growth.
Evaluate new and alternative data sources to determine value-add to current fraud and credit risk processes.
Drive the agenda for the evolution of the company’s risk data infrastructure.

Who you are:

Bachelor’s degree in Engineering, Computer Science, Statistics, Economics, Finance, or similar fields. Technical certifications or coding camp completions are a plus.
MBA or advanced quantitative or technical degree is preferred.
10+ years of experience in data science and advanced analytics, including developing credit models.
7+ years of experience in banking or consumer lending credit risk management.
5+ years of experience leading analytical teams.
Experience with loan servicing operations and/or collections strategy is highly desirable.
Experience with sub-prime consumer segment in financial services is highly desirable.
Highly proficient with analytical tools such as SQL, R, SAS, Python, and ML tooling.

Deep familiarity with business intelligence tools like Tableau, Power BI, Domo, etc.

Advanced proficiency with Microsoft Excel and/or Google Sheets is required.
Understanding of data warehousing concepts and ETL techniques.
An innate curiosity about the way things work.

Relentless persistence in solving problems.

A “process thinker” with the ability to describe workflows using data.

Genuinely enjoy managing and developing people.

Benefits and Perks:

We have the compensation and benefits you expect. But there's one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too.

Our perks include: