Associate, Data Science- Credit and Lending Modeling

Associate, Data Science- Credit and Lending Modeling

Country: United States of America

This role is part of the Models and Data Science Team responsible for driving quantitative advanced analytics spanning insights, predictive modeling, and machine learning solutions across business verticals. Specific tasks include building analytical data pipelines by joining disparate data sources, feature engineering, building models using data science methodologies including: regression, supervised / unsupervised learning, causal inference, and Bayesian simulation, measurement of model output on business results, maintaining code and model repositories in GitHub, and building workflow automation following MLOps best practices.   

 

This role will help business by providing accurate and reliable credit risk models that enable more informed lending decisions, reduce default rates, and improve overall portfolio performance. By ensuring regulatory compliance and enhancing model performance, the role contributes to maintaining financial stability, optimizing capital allocation, and supporting strategic business growth.  

 

The ideal candidate will be self-driven, highly organized, and an effective contributor in cross-functional data & analytics teams.  They will bring curiosity, effort, and vision to execute projects quickly for their partners. 

 

Who you are 

• Have a proven record (in academia or industry) of credit risk model development 

• Able to explain your logical and structured thinking/processes in different ways to different people while maintaining the honesty and integrity of your analysis 

• Can provide clear communication and have built charts and visualizations which told an important story 

• Love being part of a fast-moving supportive team and welcome feedback to learn 

• Are organized and able to document what you produce 

• Are comfortable with ambiguity and charting a path through quantitative analysis 

 

Examples of potential work  
Much of the work will be acting as an internal consultant within the broader analytics center of excellence, grappling with new initiatives as they emerge from departments across the Consumer & Business  bank.  

One day you might be fitting distributions to historical data and modelling outlier events, the next helping colleagues find anomalies in their data indicative of fraud. Through it all, you will draw upon your toolkit of mathematical understanding and coding skills, and an openness to collaborate to create new algorithms. 
  

Role and Responsibilities