Associate Credit Review Data Scientist

About the Role

The Loan Analytics Associate Data Scientist will work with senior members of the department to develop, implement, and monitor predictive models across all loan portfolios. This position will also develop complex reports and dashboards from multiple data sources using a variety of software tools to analyze and generate data-driven insights and recommendations based on those data.

Key Responsibilities

• Work with Senior Data Scientists to develop machine learning models and forecasts for various aspects of loan portfolios including delinquency, default, and new loan origination using validated statistical and machine learning methodologies.
• Perform routine extracts of data from core systems (both mainframe and distributed databases) and the enterprise data warehouse and generate reports, advanced analyses, and dashboards using this data.
• Assist Senior Data Scientists with identifying erroneous or outlier data based on operational knowledge and be able to make sufficient modifications to reports and analyses to account for these data anomalies.
• Assist operations departments with routine report writing, data validation, and analysis.

Requirements & Tech Stack

• High level of technical aptitude and a passion for analytics, data, and problem solving.
• Ability to define complex business problems and drive the development of analyses resulting in tangible insights and solutions.
• Ability to communicate effectively orally and in writing with external third parties such as vendors and regulators as well as internally at multiple levels across the organization.
• Ability to work collaboratively with others to define analytical strategies and solutions while also being self-driven to autonomously execute on deliverables.
• Understanding of the fundamentals of the Cross Industry Standard Process for Data Mining (CRISP-DM) and the ability to apply this process to analytics projects.

Qualifications

• Four-year degree or high school diploma or equivalent.
• 1 – 2 years of direct experience preferred.
• Experience developing reports and dashboards using ibi WebFocus, Microsoft Power BI, Microsoft Report Builder/SSRS, Tableau or other BI and reporting applications is desired.
• Strong proficiency in the use of Microsoft Office applications, specifically Excel, is needed.
• Experience with SQL and R, Python, SAS, or other data analysis tools or programming languages is preferred.

Job Environment & Physical Requirements

• This is a hybrid role with work from home permitted as determined by departmental needs.
• Typical office environment with background noise from employees, copy machines, and telephones.
• This job entails a substantial amount of sitting, use of hands/fingers to operate a computer keyboard, ability to comprehend verbal instructions/phone calls, and ability to lift up to five pounds.