Manager, Credit Modeling & Analytics
Overview:
I'm currently working with a fast-growing consumer fintech that's hiring a Manager, Credit Modeling & Analytics to help lead model development across near-prime and subprime portfolios. This role will manage a small team and drive modeling initiatives across areas like underwriting, line assignment, account management, and marketing decisioning.
Responsibilities
- Lead and mentor a team of modelers while remaining hands-on in the development of acquisition, marketing, and credit risk models.
- Partner closely with business stakeholders to understand data, workflows, and identify opportunities to improve decisioning.
- Support the development and evolution of model risk management frameworks and best practices.
- Contribute to research and development efforts to enhance modeling approaches and tools, including emerging AI/ML techniques.
- Help drive automation initiatives to improve model development and validation processes.
- Collaborate cross-functionally with risk, analytics, and business teams to ensure alignment, transparency, and effective model deployment.
- Ensure adherence to regulatory expectations and internal governance standards.
Required Qualifications
- MS/PhD or equivalent experience in a quantitative field (e.g., Statistics, Mathematics, Computer Science, or related).
- 5-10 years of hands-on experience developing credit risk or related models, with at least 2+ years of people management experience.
- Strong programming experience in Python; familiarity with R or SAS is a plus.
- Advanced SQL skills and strong data manipulation capabilities.
- Experience working with credit bureau and/or alternative data in consumer lending environments.
- Solid understanding of machine learning and statistical modeling techniques, with the ability to balance hands-on work and team leadership.
- Experience prioritizing projects and aligning modeling work with business objectives.
- Strong communication skills with the ability to translate technical concepts to non-technical stakeholders.
Preferred Qualifications
- Experience deploying machine learning models into production environments.
- Background in financial services or fintech.
- Exposure to model governance, validation, or model risk practices.
- Familiarity with cloud platforms (e.g., AWS, GCP).
- Experience across credit risk, fraud, marketing analytics, or decisioning systems.
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