Oportun. Inc

Sr. Data Scientist

Req No.
2021-10513
Department
Risk
Type
Regular Full-Time
Remote / WFH
Yes
Job Locations
US-CA-San Carlos

Company Overview

ABOUT OPORTUN

Oportun (Nasdaq: OPRT) is a financial services company and digital platform that provides responsible consumer credit to hardworking people. Using A.I.-driven models that are built on years of proprietary customer insights and billions of unique data points, we have extended millions of loans and billions in affordable credit, providing our customers with alternatives to payday and auto title loans. In recognition of our responsibly designed products which help consumers build their credit history, we have been certified as a Community Development Financial Institution (CDFI) since 2009.

 

OPORTUN’S IMPACT

Since extending our first loan in 2006, Oportun has made over 4 million loans, totaling over $10 billion to hardworking low- and moderate-income individuals. In turn, Oportun has helped more than 905,000 people begin establishing the credit history required to enter the financial mainstream. At the same time, Oportun’s customers have saved an estimated $1.9 billion in interest and fees compared to the alternatives typically available to them.

 

Department Overview

ABOUT RISK MANAGEMENT @ OPORTUN

We are growing our world-class team of mission-driven risk managers who are passionate about broadening financial inclusion by untapping insights from alternative data. Be part of the team responsible for developing and running Oportun’s marketing optimization platform that leverage Oportun’s core intellectual property for scoring risk for underserved consumers that often lack a traditional credit score or are mis-scored by traditional credit bureaus. In this role you will be working with large and diverse alternative data sets and machine learning to execute multi-product and multi-channel marketing programs.  You will also drive growth and optimize marketing spend across multiple products and channels by leveraging alternative data to help predict which consumers would likely be interested in one of Oportun’s affordable, credit building lending products.

Overview

We are growing our world-class team of mission-driven, entrepreneurial Data Scientists who are passionate about broadening financial inclusion by untapping insights from non-traditional data. Be part of the team responsible for developing and enhancing Oportun’s core intellectual property used in scoring risk for underbanked consumers that lack a traditional credit bureau score. In this role you will be on the cutting edge working with large and diverse (i.e. data from dozens of sources including transactional, mobile, utility, and other financial services) alternative data sets and utilize machine learning and statistical modeling to build scores and strategies for managing risk, collection, take-up rates and fraud. You will also drive growth and optimize marketing spend across channels by leveraging alternative data to help predict which consumers would likely be interested in Oportun’s affordable, credit building loan product. 

 

Responsibilities

  • Develop risk, profitability, and marketing models used to provide affordable credit to serve those who are mis-scored by traditional credit bureaus, nearly half of Oportun’s customers do not have a valid FICO score 
  • Discover insights from a myriad of data sources to understand and influence consumer financial behavior
  • Build data pipelines to prepare data for rapid learning in a scalable manner
  • Design and build machine learning and data infrastructure by partnering with data and production engineering teams
  • Develop new complex features to be used to build next generation of machine learning models by combining techniques and business acumen
  • Partner with production engineering team to deploy models, strategies, verification methods
  • Communicate and partner with third party data vendors

Qualifications

  • Master’s degree or PhD in Statistics, Mathematics, Computer Science, Engineering or Economics or other quantitative discipline (Bachelors’ degree with significant relevant experience will be considered) 
  • 3+ years of coding experience using machine learning toolset within Python, SQL, Spark and/or Scala; 3+ years of experience leveraging machine learning techniques such as Gradient Boosting, Logistic Regression, and Decision Trees, among others 
  • 3+ years of experience in working on risk based marketing and digital analytics; Preferably in financial services industry 
  • 3+ years of experience hands-on experiences with data extraction, cleaning, analysis and visualization; experience with non-structural data is a plus  
  • Excellent written and oral communication skills 
  • A relentless problem solver, out of the box thinker, and proven track record to drive business results in a timely manner 

 

PREFERRED SKILLS & EXPERIENCE

  • Experience working with AWS or other cloud-based platforms 
  • Experience with HDFS, Hive, Shell script and other big data tools
  • Comfortable in a high-growth, fast-paced, agile environment 

 

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