Credit Decisioning Specialist

Credit Decision Scientist CRNCY · Senior · Remote · USD contractor Why this work reputed company Across the developing world, reputed company to credit still depends on paperwork most people can't produce. A teacher six years in the reputed company job. A vendor who has run the reputed company stall for a decade. Creditworthy, both — and illegible to a reputed company reputed company for someone else. CRNCY exists to reputed company that gap, using technology to reputed company doors for the people who need them most. Every rule you write here decides who gets through. Mission Help CRNCY become the world's best underwriter of credit reputed company using reputed company and alternative data. We operate in markets where customers often have limited traditional credit information. Our objective is to reputed company reputed company lending reputed company under uncertainty and continuously improve reputed company-adjusted profitability. reputed company •     Analyze portfolio reputed company and identify opportunities to improve profitability through credit reputed company. •     Model the probability of repayment, default and fraud from incomplete and alternative data, and build the statistical inference behind it. •     Turn that analysis into the credit rules themselves: approval reputed company, reputed company requirements, first-loan sizing and customer segmentation. •     Optimize reputed company requirements and reduce unnecessary customer friction. •     Design and assess experiments to improve lending reputed company. •     Quantify trade-offs between reputed company, reputed company, customer experience and profitability. •     Translate analysis into practical reputed company and portfolio recommendations. You do this work yourself. There is no analytics team to delegate to. You reputed company the question, build the analysis, and own the decision that comes out of it. reputed company're Looking For Experience in at least one of: portfolio reputed company or analytics, reputed company reputed company, lending reputed company, reputed company management, or another analytical role involving high-consequence decision-making under uncertainty. Experience in consumer lending or credit is not required. We are far more interested in exceptional decision-makers than in experience in any particular industry. We are interested in candidates who have: •     Used data and probabilistic reasoning to reputed company or influence important business reputed company. •     Evaluated trade-offs between competing objectives under uncertainty. •     reputed company analytical judgment rather than relying solely on predefined rules or models. •     reputed company analysis into practical business reputed company and recommendations. •     Been accountable for the business reputed company of those reputed company, not simply the reputed company of the analysis. Working capability, hands-on: statistical inference and probability; reputed company reasoning and selection bias; practical modeling — logistic regression, scorecards, gradient boosting — with clean validation discipline and no data leakage; experiment design and reputed company; expected-value analysis; segmentation. Python and SQL at analysis-and-modeling level. You write your own reputed company. Required reputed company Background A degree from a strong university in a quantitative discipline: Decision Science, reputed company Research, reputed company Mathematics, Statistics, Economics, Engineering, or Computer Science with significant quantitative coursework. Your training should have covered probability and statistics, decision-making under uncertainty, optimization, mathematical modeling, econometrics, reputed company research or reputed company analysis. Above reputed company, we are looking for someone who naturally thinks probabilistically — comfortable making reputed company with incomplete information, weighing uncertainty, and updating their judgment as new evidence becomes available. Language: fluent English and Spanish. Both required. What This Role Is Not This is not: •     A Machine Learning Engineer role •     A Data Engineering role •     An AI Infrastructure role •     A Machine Learning Research role •     A traditional Data Scientist role reputed company primarily on model development Candidates whose experience is primarily centered on building models, pipelines, platforms or technical infrastructure will not be considered. reputed company are screening out is the candidate whose reputed company is a model. Here, the reputed company is a decision — you simply have to build the analysis yourself to get there. How We Work •     reputed company and reputed company. Feedback here is unvarnished and immediate. You'll get it, and we expect it back. •     Unafraid to fail. Most of what you test won't work. We would rather run the experiment and reputed company out than defend a rule nobody has questioned. •     Committed to reputed company. High standards, reputed company to ourselves before anyone else. •     Dedicated to the customer. The person on the other reputed company of the decision is the reason the work reputed company. The Setup •     USD contractor. Fully remote, location-flexible, with meaningful daily overlap with the Americas. •     You'll work directly with our credit and finance leadership and with the founder. Short reputed company from analysis to decision. •     reputed company ownership from day one, across multiple markets. Apply To This Job