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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk management and data science, with a strong ability to analyze credit strategies and exposure limits while ensuring alignment with risk appetite. Proficient in mentoring junior data scientists and driving data quality and integrity.
Highest-signal resume keywords
Credit Risk ManagementData Science Model DevelopmentPython ProficiencyAnalytical SkillsUnderwriting Principles
Tech Stack
Tools & technologiesAbout the role
Key responsibilities & impact- Provide analytical support for Second Line oversight of Buy Now Pay Later products
- Oversee underwriting and account management practices to ensure portfolio management aligns with strategic goals and risk appetite
- Provide independent oversight and effective challenges on credit strategy and risk controls
- Lead development and implementation of advanced data science models and algorithms
- Collaborate with stakeholders to understand requirements and deliver solutions
- Drive data science best practices
- Ensure data quality and integrity
- Mentor and guide junior data scientists
- Stay current with data science trends
- Assess credit strategy and exposure limits/thresholds for alignment with the Risk Appetite and regulatory or business-model changes
Requirements
What you’ll need- 3+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience
- Strong analytical skills, including working with data, identifying patterns, deriving and visualizing business insights, and translating them into compelling narratives
- Ability to assess, review, and analyze credit strategy and exposure limits/thresholds for alignment to the Risk Appetite
- Understanding of credit risk fundamentals, including underwriting principles and credit risk metrics
- Proficiency with Python, SQL, or other statistical analysis tools is a strong plus
- Ability to communicate credit risk concepts to technical and non-technical audiences
- Ability to work with geographically dispersed teams across different time zones
- Advanced degree in a quantitative field such as statistics, mathematics, or engineering is preferred
- 3+ years of experience in credit risk management/lending is preferred
- Experience with merchant or small business lending environments is a strong plus
- Understanding of second line of defense functions is a strong plus
Benefits
Comp & perks- Annual performance bonus, equity, or other incentive compensation, as applicable
- Balanced hybrid work model with 3 days in the office and 2 days at the office or home workspace
- Generous paid time off
- Healthcare coverage for you and your family
- Resources to support financial security
- Mental health support resources
- Reasonable accommodations for qualified individuals with disabilities
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisStatistical AnalysisCredit Risk MetricsData VisualizationAlgorithm Development
Soft Skills
Communication SkillsMentoringCollaboration
Tools & Technologies
PythonSQL
Industry Keywords
Buy Now Pay LaterSecond Line of DefensePortfolio ManagementMerchant LendingSmall Business Lending