Oportun. Inc

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- Provide support and guidance to all customers who are in a delinquent status and potentially eligible for repossession - Coordinate all repossession and remarketing actions with customers and third-party vendors - Complete all reviews, letters, scrubs and monitor all inventory for repossessions and remarketing accounts - Effective communicates and collaborates with business partners to ensure issues are raised/routed accurately - Maintain current knowledge of all applicable lending regulations and Oportun Policies
Req No.
2022-12820
Department
Collections
Remote / WFH
No
Location
US-TX-Frisco
Type
Regular Full-Time
Responsibilities - Assume the ownership of strategic analytics initiatives for the Unsecured, Secured, and Bank Partnership personal loans products: product conversion plans & forecasts, funnel analysis, verification strategy, optimization analysis, and much more. - Expand & lead a high-powered team in analyzing the current product strategy and developing a thorough understanding of different aspects of the differing product conversion funnels (ex. Drop-off rates, Customer feedback about different stages in the application process) - Build a forward-leaning agenda that is tied to the company’s top business priorities & manage the roadmap to deliver on OKRs - Work with Product and Engineering teams to test alternate strategies that address / mitigate friction points in the current strategy, thereby improving conversion rates - Manage the use cases & enhance the underlying logic for our innovative automated verification services by leveraging existing & new data - Analyze and evaluate performance of dual product offers in a shared funnel to develop feature strategies that ultimately drive profitability within the personal loans business - Understand the different features and aspects that constrain or improve the conversion funnel to develop new product and risk management strategies - Work closely with stakeholders across teams to identify & solve the business question at hand - Collaborate with data engineering to develop in-depth data analytics and business intelligence tools
Req No.
2022-12703
Department
Risk Management
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Oversee the day-to-day operations and management of the Third-Party Risk Management program. - Partner with internal and external stakeholders to perform due diligence security assessments on existing and potential third parties to assess IT and cyber controls effectiveness, including compliance with internal policies and applicable regulations. - Perform periodic quality assurance and review of third-party risk assessments performed by other team members to ensure that all assessments meet established standards and expectations. - Reporting, tracking, and confirming resolution of any gaps or issues identified for third parties. - Maintaining a strong working knowledge of applicable regulatory and internal requirements to mitigate risks. - Responsible for the Third-Party Assurance support including the gathering of evidence and controls and allocation into the respective reporting structures - Oversees the management of assessing, onboarding, and maintaining relationships with third parties - Drive GRC transformation to leverage Agile methodology, service management delivery, and automation - Maintains knowledge and expertise of all relevant IT security and compliance issues, requirements, and technologies. Serves as a SME in emerging best practices in Security Governance management, planning, and execution - Grow and inspire a global organization as it delivers solutions to both protect and enable Oportun, in part by nurturing a collaborative and innovative team culture - Directs and supports employees' daily work activities. Responsible for employment actions: hiring, termination, corrective action, and performance reviews - Foster a team culture that models inclusivity, diversity, transparency, and delivery excellence - Serve as a Security thought leader / evangelist across the enterprise and beyond      
Req No.
2022-12694
Department
Security
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Act as trusted advisor to the business in providing consumer finance legal advisory support across multiple products and an expanding business model, with a focus on the origination of unsecured, auto secured and credit card products through different channels including online, phone and retail locations. - Support the origination of all loan products and the creation of a low-touch/no-touch application flow to reduce customer friction while maintaining legal, business, bank partner and regulatory requirements. - Evaluate and support options to offer new lending products and partnerships that further the corporate mission in all 50 states and globally.  - Research and document new or amended state lending laws relating to the origination of unsecured, secured and credit card products including interest rate, late fee, insufficient funds fees, origination/administrative fees and state required licenses and disclosures in all 50 states. - Maintain loan documents used for all products in all 50 states, including required disclosures and contract language. - Provide legal advice and support relating to the use of electronic signatures and disclosures pursuant to the ESIGN Act and state UETA requirements. - Provide legal advice and support relating to the Americans with Disabilities Act and Elder Abuse across all Oportun products. - Partner with customer care, operational and business teams in reviewing and responding to consumer complaints related to the origination of lending products. - Work closely with product owners, data engineers, IT, Operations, Risk Management, Customer Experience, Marketing and others. - Provide legal support and feedback in reviewing policies, procedures and training, to conform to Oportun, regulatory and bank partner requirements, with a focus on origination related legal issues. - Partner with Compliance professionals to assist in the design and implementation of Compliance Management Program, including Compliance Risk Assessments and an underlying legal inventory of applicable laws and regulations. - Research, track and report on federal and state legal developments related to the products within the scope of the role, staying abreast of current legal developments and trends to determine potential impact or risks. Communicate relevant items to business partners and analyze impact of the changing legal/regulatory landscape on the business strategy. - Analyze and draft comments on proposed regulations and contribute to industry comment letters or requests where appropriate. Communicate relevant items to business partners and analyze impact of the changing legal/regulatory landscape on the business strategy for areas of responsibility. - Participate in special projects in support of Oportun’s strategic objectives; provide backup support for and coordinate with other Regulatory Legal team members, as needed. - Work with commercial attorneys to review third-party service provider agreements, including agreements with outsourced and/or offshored service providers, to ensure compliance with CFPB standards, internal guidelines, bank partner standards and applicable law.
Req No.
2022-12678
Department
Regulatory Legal and Compliance
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Play an active role on the business teams, advising on partner initiatives and proposals, attending internal and partner team meetings and working closely with business leaders, including product owners, product managers, field staff, product delivery managers, and others. - Draft, review and negotiate partner and vendor agreements. - Advise on new business proposals and processes, identifying and providing counsel on legal and regulatory issues. - Support on-boarding of new partners, third party risk management processes and partner due diligence. - Provide ongoing legal support for partner programs, including operations matters, contract compliance, and review and analysis of relevant and legal regulatory issues. Develop working knowledge of Oportun’s consumer products, services and operations. - Coordinate with Legal team members and departments in connection with, among other matters, regulatory, marketing, and contract review issues. - Support compliance professionals; advise and assist in the design and implementation of compliance management program, including compliance risk assessments, partner training, policy and procedure development, consumer complaints, and controls development, testing and monitoring. - Manage internal legal department tasks and initiatives including tracking and inventory of relevant state & federal law - Participate in special projects in support of Oportun’s strategic objectives; provide backup support for and coordinate with other Legal team members, as needed. - Act as trusted advisor to the business in understanding business objectives and assisting with creative solutions to challenges.
Req No.
2022-12676
Department
Regulatory Legal and Compliance
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Own analytics and reporting for Collections & Customer operations - Optimize contact center goals, incentives, and processes in order to increase customer engagement and operational efficiency, while mitigating credit losses - Work with business partners to design and analyze champion/challenger tests – working towards enabling AI-driven, digital-first servicing and collection capabilities - Develop a root-cause analysis framework to identify & address reasons for customer calls, driving reduced call center volumes - Support capacity planning and staffing forecasts for a rapidly growing Collections and Customer team spread across multiple contact centers - Develop and maintain operations and management reporting for Collections KPI’s - Cultivate relationships with Business Leaders across the organization (Inhouse & Outsourced) to gain a broad understanding of data needs – and advise, influence, and win support for strategic data initiatives - Gain deep understanding of the collections portfolio and conduct insights driven analytics to identify areas of improvement - Partner with Operations team to proactively solve problems - Partner with engineering team to build new system enhancements - Mentor, lead, motivate and care for members of your analytics team  
Req No.
2022-12650
Department
Collections Analytics
Remote / WFH
Yes
Location
MX-Remote
Type
Regular Full-Time
- Build end-to-end reusable and automatic pipelines from data acquisition to model development to model output delivery through partnership with data and production engineering teams - Develop AI/ML capabilities that enable us to extract insight, assess/manage models’ performance, and support business decisions - Develop and deploy data products and ML models leveraged through the customer lifecycle - Lead initiatives to drive business value from start to finish including project planning, communication, and stakeholder management. - Partner with the DS and non-DS team to deliver results - Design and implement tools and frameworks to be used across various machine learning and data science teams - Identify areas where we can apply Machine Learning and work with product managers and domain specialists to products and end-to-end solutions - Manage a suite of data science tools/platforms (i.e. Jupyter Notebook), pipelines and reusable code that maximizes productivity and knowledge sharing across the data science team
Req No.
2022-12630
Department
Data Science & Fraud
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Responsible for owning and driving Oportun's AI/ML strategy for direct marketing - Lead direct marketing data science team to design automated processes to build propensity models, risk models and profitability models that are leveraged in optimizing marketing spend for millions of prospects across multiple products (personal loans and credit cards) and channels (i.e. direct mail, digital marketing, partners, existing customers and aggregators).  - Build and deliver a comprehensive AI/ML roadmap for Oportun’s dedicated AWS direct marketing environment - Lead, build and mentor data science team that solve business problems leveraging AI/ML - Manage a suite of data science tools/platforms (i.e. Jupyter Notebook), pipelines and reusable code that maximizes productivity and knowledge sharing across the data science team - Oversee all phases of AI/ML development, from design, data gathering, training, validation and implementation - Expand the use of dynamically updated AI/ML models - Partner with credit policy team to develop prospect level customer lifetime value model and automate credit policy in marketing - Design and build machine learning and data infrastructure by partnering with data and production engineering teams - Lead discussions with compliance, bank partners and model risk management teams to facilitate the model governance activities such as model validations and monitoring. - Communicate and partner with third party data vendors
Req No.
2022-12629
Department
Data Science & Fraud
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Create and/or enhance existing customer communication campaigns across various channels (SMS, email, mail) and products (secured and unsecured personal loans) in partnership with cross-functional teams that will provide positive results to support company strategy and objectives to reduce delinquencies and drive customer engagement. - Drive collaboration and small-midsize projects between Collections, Marketing, Legal & Compliance, and other supporting functions to launch customer communication campaigns. - Contribute to establishing and maintaining a centralized framework for customer communications, including monitoring and execution controls. - Partner with Collection Analytics to test and implement new communication strategies, share campaign deliverability and performance results with Collections leadership team. - Monitor campaigns dashboards for deliverability rates and escalate when they are outside acceptable standards.   - Process manual letter files with direct mail vendors until transition to automated vendor is complete. - Cooperate and contributes to operationalizing customer campaigns in partnership with Collections to ensure a positive customer experience. - Collaborate with team members to build and support a safe and lively environment to thrive professionally and practice ownership of self-development. - Seek opportunities to improve department processes and identify ways in which communication campaigns can support the reduction of collection default. - Perform other duties and special projects as assigned by management based on strategy changes and business needs.
Req No.
2022-12589
Department
Collections
Remote / WFH
Yes
Location
MX-Remote
Type
Regular Full-Time
- Travel to our Retail locations to perform quality audits. - Interpret company policy and government regulations. - Analyze a variety of complex situations to decisively assess risk. - Compile all findings with actionable detail for the business operation. - Develop positive relationships with business operation and compliance partners. - Dedicated to the ongoing evolution of Oportun risk management. - High level of organizational skills, accuracy, integrity, and attention to detail.  
Req No.
2022-12564
Department
Operations Business Support
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
As a Staff Software Engineer, you will - Partner with product and architecture to design and determine the best solutions to solve problems and how to best implement those solutions in an agile, scalable manner. - Act as either an individual contributor or a team leader depending on the initiative and scope of the work. - Be passionate about the quality of your deliverables. - Troubleshoot issues (for both production and pre-production) to derive & optimize solutions for them. - Be able to work with geographically distributed teams in an asynchronous manner through the entire software life cycle. - Provide updates to partners and stakeholders on the development processes, estimates, and plan execution. - Bring your love of technology and new approaches to help strengthen the team and provide feedback on ways to improve. - Mentor, coach and help other team members.
Req No.
2022-12555
Department
Engineering
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Increase customer engagement and operational efficiency by optimizing channel contact strategy across numerous communication channels - Work with Data Science team to build predictive behavior scoring and test strategies via champion/challenger tests - Gain deep understanding of the collections portfolio and conduct insights driven analytics to identify areas of improvement - Optimize loan-level NPV and mitigate losses while enhancing customer engagement by developing effective segmentation and customer engagement strategies - Develop and maintain operations and management reporting for all Collections KPI’s - Support operations and proactively solve problems - Partner with engineering team to build new system enhancements
Req No.
2022-12346
Department
Collections Analytics
Remote / WFH
Yes
Location
MX-Remote
Type
Regular Full-Time
- Develop data products and machine learning models used in Risk, Collections and Loss mitigation and provide frictionless customer experience for various products and services Oportun provides. - Build accurate and automated monitoring tools which can help us to keep a close eye on the performance of the models and rules. - Build model deployment platform which can shorten the time of implementing new models. - Build end-to-end reusable pipelines from data acquisition to model output delivery. - Lead initiatives to drive business value from start to finish including project planning, communication, and stakeholder management. - Lead discussions with Compliance, Bank Partners, and Model Risk Management teams to facilitate the Model Governance Activities such as Model Validations and Monitoring. - Lead, coach and partner with the DS and non-DS team to deliver results
Req No.
2022-12344
Department
Data Science & Fraud
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Develop risk, profitability, fraud,and loss mitigation 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
Req No.
2022-12342
Department
Risk Management
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Increase customer engagement and operational efficiency by optimizing channel contact strategy across numerous communication channels - Work with Data Science team to build predictive behavior scoring and test strategies via champion/challenger tests - Gain deep understanding of the collections portfolio and conduct insights driven analytics to identify areas of improvement - Optimize loan-level NPV and mitigate losses while enhancing customer engagement by developing effective segmentation and customer engagement strategies - Develop and maintain operations and management reporting for all Collections KPI’s - Support capacity planning and staffing forecast for a rapidly growing Collections team spread across multiple call centers - Support operations and proactively solve problems and operational efficiency - Partner with engineering team to build new capabilities, deliver on strategy, and deploy system enhancements
Req No.
2022-12306
Department
Risk Management
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Develop customer level response models, propensity models, risk models, and profitability models leveraging credit bureau and as well as alternate data for credit cards and personal loan products - Build a consumer centric marketing engine to optimize marketing spend for millions of prospects across multiple products (personal loans and credit cards) and channels (i.e. direct mail, digital marketing, partners, existing customers and aggregators) - Develop and automate pre-screen credit policy for prospects across different products and channels  - Lead initiatives to drive business value from start to finish including project planning, communication and stakeholder management - Lead discussions with compliance, bank partners and model risk management teams to facilitate the model governance activities such as model validations and monitoring. - Build experimental design-based testing framework for rapid experimentation and learning - Build end-to-end reusable ML pipelines from data acquisition to model output delivery - Design and build marketing data infrastructure by partnering with data and production engineering teams - Lead and mentor data scientists that solve business problems leveraging AI/ML - Communicate and partner with third party data vendors
Req No.
2021-11386
Department
Data Science & Fraud
Remote / WFH
Yes
Location
IN-Remote
Type
Regular Full-Time
- 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 new customers do not have a valid FICO score - Partner with credit policy team to develop prospect level customer lifetime value model to be leverage in automating credit policy  - 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 - Build automated process to optimize credit policy in marketing - 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
Req No.
2021-11034
Department
Data Science & Fraud
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
- Responsible for owning and driving Oportun's AI strategy - Build and deliver a comprehensive AI/ML roadmap for Oportun’s customer base from brand awareness, marketing and origination to customer care that will engage customers and maintain long customer relationships across Oportun’s products - Partner with business leaders and product managers in problem framing and conceptualization of ideas, develop consensus, and execute on a prioritized AI/ML roadmap for various use cases - Lead, build and mentor data science team that solve business problems leveraging AI/ML - Oversee all phases of AI/ML development, from design, data gathering, training, validation and implementation - Expand the use of dynamically updated AI/ML models - Actively identify and manage model risks in line with model risk management policies - Manage a suite of data science tools/platforms (i.e., Jupyter Notebook), pipelines and reusable code that maximizes productivity and knowledge sharing across the data science team - Partner with data engineers to build a continuous data capture service leveraging AWS Kinesis and expand feature store to include new families of data and real-time streaming data - Collaborate with data and machine learning engineers to design and develop scalable machine learning systems (i.e., building a model execution service leveraging MLflow and SageMaker) to improve speed to market and operate with scale in production.  - Partner with a cross-functional team of data engineers, machine learning engineers and product managers to launch AI/ML solutions into production - Create automated AI and model performance monitoring that aligns with model risk management policy
Req No.
2021-10593
Department
Data Science & Fraud
Remote / WFH
Yes
Location
US-Remote
Type
Regular Full-Time
Req No.
2021-10194
Department
Production Analytics
Remote / WFH
Yes
Location
IN-Remote
Type
Regular Full-Time
- Develop data products and models used in managing credit/fraud risk and customer lifetime valuation and provide frictionless customer experience for various products and services Oportun provides. - Build end-to-end reusable pipelines from data acquisition to model output delivery through partnership with data and production engineering teams. - Support the development of automated monitoring tools which can enables us to make almost real-time assessment of the performance of models and rules, and extract insights - Lead initiatives to drive business value from start to finish including project planning, communication and stakeholder management. - Lead discussions with Compliance, Bank Partners and Model Risk Management teams to facilitate the Model Governance Activities such as Model Validations and Monitoring.  - Lead, coach and partner with the DS and non-DS team to deliver results  - Communicate and partner with third party data vendors.
Req No.
2021-10183
Department
Risk Management
Remote / WFH
Yes
Location
IN-Remote
Type
Regular Full-Time