Credit Data Scientist

Credit Data Scientist

SUMMARY :

The Credit Risk Group is responsible for helping Lendmark to define and measure its credit risk appetite and ensure appropriate policies and strategies as it relates to loan underwriting and servicing to ensure that the Company stays within the parameters of that risk appetite in order to deliver consistent credit loss performance and profitability. The group facilitates consistent and accurate measurement of credit risk primarily by tracking key risk indicators for the portfolios, developing scorecards and tools to ensure risk appetite and profitability are effectively managed, and ensuring that underwriting and servicing policy and strategy are designed to deliver acceptable credit losses. The contribution of this position comes from working closely with and supporting the Credit AVP / VP positions on projects to help achieve department goals while working closely with the appropriate business partners within Lendmark.

MAJOR DUTIES / RESPONSIBILITIES :

• Mine and analyze large amounts of traditional credit data and / or alternative data to identify trends and patterns
• Partner with the business leaders in the organization to identify business needs (i.e. augment underwriting strategy, optimize marketing strategy, etc.), identify data required to solve those needs, and build predictive models to optimize solution and craft strategies
• Work closely with credit underwriting and marketing teams to propose solutions and business strategies
• Present information and findings using data visualization techniques
• Coordinate across business functions to implement and deploy models
• Develop monitoring tools and reports to monitor model performance post-deployment

BASIC QUALIFICATIONS :

PREFERRED / DESIRED QUALIFICATIONS :

Experience with a modeling package such as SAS Enterprise Miner or Knowledge Studio is a plus.