What are the responsibilities and job description for the Data Scientist position at Rich Data Co?

Data Scientist

Role reports to : Head of Data Science, North America

About RDC

Rich Data Co (RDC) Delivering the Future of Credit Today! We believe credit should be accessible, fair, inclusive, and sustainable. We are passionate about AI and developing new techniques that leverage traditional and non-traditional data to get the right decision in a clear and explainable way. Global leading financial institutions are leveraging RDC's AI decisioning platform to offer credit in a way that aligns to the customers' needs and expectations. RDC uses explainable AI to provide banks with deeper insight into borrower behavior, enabling more accurate and efficient lending decisions to businesses.

Join the Future of Credit!

Work at a 5-Star Employer of Choice 2023- RDC was named one of HRD Australia's "best companies to work for in Australia".
Join a fast-growing global AI company- Grow your skills, capabilities and gain AI and global experience.
High performance team- Work alongside some of the best product teams, data scientists and credit experts in the industry.
Vibrant team culture- Join an innovative and agile team who celebrates wins and solves problems together.
Work-life balance- Highly flexible working arrangements - work how's right for you!
Financial inclusion- Be part of a company that is striving for global financial inclusion and driving the future of credit.

Purpose of Role

RDC is a cloud native AI Decisioning company whose purpose is financial inclusion and increasing global access to credit. To achieve this, the Data Science / Modeler function is key to our organizational success. As we expand in North America and grow our world-class team, we seek a Data Scientist to join our team. The Data Scientist will work closely with the Data Science & Credit Advisory team, and RDC customers, on developing AI-based solutions, to help RDC customers improve and automate their credit provisioning and management strategies. The Data Scientist will work closely with the Principal Data Scientist and other data scientists on the team, who will provide knowledge and support to work towards team goals. We will work together to solve complex credit-based decisions in the Small and Midsize Business and Commercial lending space.

Accountability & Outcomes

The role will involve the following key accountabilities :

Designing, presenting & documenting AI based initiatives to our clients, typically banking and risk executives.

Design use cases for clients with clear objectives and success criteria, matching our AI platform capabilities and client needs.

Develop data processing solutions and machine learned models to address the business objective of our clients using RDC platform.

Conduct detailed data analyses in support of the development, validation, and implementation of statistical models.

Lead discovery engagement and develop prototypes to be deployed on the RDC platform for clients across new use cases in SMB and Commercial lending in North America.

Support sales, client advisory and client delivery team to achieve expected business outcomes as agreed with our clients.

Essential-Qualifications

BS or BA degree in Statistics, Mathematics, Physics, Computer Science, or other Quantitative related degree.

Programming experience in Python for 2 years

Programming in SQL for 1 years.

Experience developing and managing quantitative credit risk models including credit decisioning models.

Programming experience in Python and SQL to include statistical modelling and machine learning techniques.

Knowledge of data discovery, statistics, and data-driven model discovery, development, and validation, and tracking.

Ability to learn and adapt to new or emerging modeling techniques (e.g., LLM, GenAI, LSTM, etc.)

Experience presenting to technical, and non-technical stakeholders, including senior leadership.

Occasional travel to the customer site is expected (estimated 10-25% travel).

Desired-Qualifications

Advanced degree (MS or PhD) in Statistics, Mathematics, Physics, Computer Science, or other Quantitative related degree.

Experience working with traditional and non-traditional data sources such as transaction, accounting, and e-commerce data.

Understanding of decision-making processes behind the business or consumer lending.

Experience with commercial and / or business lending.

Experience in credit risk analysis, strategy design, and monitoring.

Experience with additional programming languages is nice-to-have (e.g., Java, Scala, R, SAS, Perl, etc.)

This role can be remote from anywhere in the United States

We are unable to sponsor H1-B visas in the near term

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