Senior Data Science Manager, Risk

ABOUT OPORTUN Oportun (Nasdaq: OPRT) is a digital banking platform that serves 1.9 million members, aiming to make their financial ambitions achievable. Through smart borrowing, saving, budgeting and spending abilities, Oportun instills confidence in its members to build a brighter financial future. To date, Oportun has delivered over $15.5 billion in responsible and affordable credit, saving its members an excess of $2.3 billion in interest and fees and thus helped our members save an average of more than $1,800 annually. For more information, visit Oportun.com. WORKING AT OPORTUN Working at Oportun means becoming part of a unique team that cultivates a culture of diversity, equity, and inclusivity, where everyone feels they belong and are encouraged to share their perspectives. This inclusive culture directly feeds into our organization's performance and ability to fulfill our mission - to offer affordable credit to those neglected by mainstream finance. To celebrate and nurture our inclusive culture, we have employee resource groups. SUMMARY: We are expanding our team of driven, entrepreneurial Data Scientists who are passionate about expanding financial inclusion by unlocking insights from unconventional data. Be part of the team that develops and enhances Oportun's critical intellectual property used in rating risk for underbanked consumers who lack a traditional credit bureau score. You will be at the forefront of handling extensive and diverse alternative data sets (inclusive of transactional, mobile, utility, and other financial services data) and apply machine learning and statistical modeling to construct scores and strategies for managing risk, collection/loss mitigation, uptake rates, and fraud. You will also drive growth and optimize marketing expenditure across channels by using alternative data to predict which consumers would likely be interested in Oportun's affordable credit-building loan product. RESPONSIBILITIES: - Develop data products and machine learning models for Risk and Fraud, and provide a seamless customer experience for various Oportun products and services. - Create accurate and automated monitoring tools to closely observe model and rule performance. - Develop a model deployment platform to decrease the time it takes to implement new models. - Construct 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. - Facilitate Model Governance Activities like Model Validations and Monitoring through discussions with Compliance, Bank Partners, and Model Risk Management teams. - Lead, coach, and partner with the DS and non-DS team to deliver results. QUALIFICATIONS: - Persistent problem solver and innovative thinker with a proven track record of driving business results in a timely manner. - Masters or PhD in Statistics, Mathematics, Computer Science, Engineering, Economics, or other quantitative disciplines (Bachelor’s degree with significant relevant experience will also be considered). - Hands-on experience using machine learning techniques such as Gradient Boosting, Logistic Regression, and Neural Network to solve real-world problems. - 3+ years of hands-on experience with data extraction, cleaning, analysis, and building reusable data pipelines; proficient in SQL, Spark SQL, and/or Hive. - 5+ years of experience in leveraging modern machine learning toolset and programming languages such as Python. - Excellent written and oral communication skills. - Strong stakeholder management and project management skills. - Able to thrive in a high-growth, fast-paced, agile environment. - Experience with AWS EMR, Sage-maker, or other cloud-based platforms is a plus. - Experience with HDFS, Hive, Shell script, and other big data tools is a plus. "The US base salary range for this full-time position is $127,500 - $204,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position. Within this range, individual pay is determined by work location and other factors such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that matches your criteria during the hiring process. Please note that the compensation range mentioned in this post only reflects the base salary for this position and does not include other compensation elements or benefits.” We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate. California applicants can locate a copy of Oportun's CCPA Notice here: https://oportun.com/privacy/california-privacy-notice/. We will never request personal identifiable information (bank, credit card, etc.) prior to hiring. We do not charge you for pre-employment checks such as background checks, training, or equipment. If you think you have been a victim of fraud by someone masquerading as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3).