Senior Data Scientist Alternative Data & AFS Solutions (Non-Prime Lending)
Share
Job Location:
Any - USA
Monthly Salary:
Not Disclosed
Posted on:
9 hours ago
Vacancies:
1 Vacancy
Department:
Analytics
Job Summary
We are looking for an experienced Senior Data Scientist to join our Alternative Financial Services (AFS) department supporting clients in the nonprime and nearprime lending markets. Youll design custom analytics credit strategies and machinelearning models using both traditional and alternative data. This is a clientfacing solutionoriented role requiring technical depth and the ability to convert complex analyses into practical applicable recommendations. You will report to the VP of Analytics Product Build Innovation and Scores.
Youll have opportunity to:
- Lead custom analytics and modeling engagements from scoping through delivery and ongoing support.
- Develop credit strategies and ML models (underwriting line assignment pricing early warning collections).
- Engineer features from alternative transactional and bureau data (e.g. recency frequency volatility trend and behavioral metrics).
- Evaluate and integrate thirdparty/alternative data sources (subprime bureaus cash-flow telco utility and specialty data).
- Conduct segmentation lift analysis and champion/challenger testing to assess performance and incremental value.
- Develop custom scorecards policy rules and ML models aligned with each clients risk appetite and regulatory requirements.
- Partner with clients to build endtoend credit strategies that balance approvals losses efficiency and customer experience.
- Deliver clear executiveready insights documentation and strategy recommendations.
- Present results directly to risk leaders analytics teams and senior client partners.
- Support model implementation monitoring stability analysis and ongoing optimization.
- Work crossfunctionally with Product Engineering and Sales to align custom solutions with broader AFS capabilities.
- Contribute to AFS best practices reusable frameworks and internal accelerators for nonprime analytics.
Qualifications :
- 5 years in credit risk analytics data science or advanced analytics with experience in nonprime or nearprime lending.
- Handson modeling experience using alternative data.
- Proficiency in Python (Pandas NumPy scikitlearn XGBoost/LightGBM) for feature engineering modeling and analysis.
- Advanced SQL experience working with complex and imperfect datasets.
- Experience with nonprime risk dynamics: thinfile consumers volatility fraud risk earlydefault behavior.
- Experience with model evaluation (AUC KS lift badrate curves stability PSI).
- Work directly with clients and translate analytics into deployable strategies.
- Explain complex models in clear business terms.
- Background in financial services alternative lending FinTech or specialty finance.
- Experience with AFS data sources (Clarity FactorTrust MicroBilt cashflow or specialty bureaus).
- Familiarity with model governance explainability and regulatory considerations in nonprime lending.
- Experience deploying or supporting ML models in production environments.
- Exposure to fraud identity or firstpaymentdefault (FPD) modeling.
- Experience mentoring junior data scientists or analysts.
- Consult client delivery or solutionoriented project experience.
Additional Information :
Our uniqueness is that we celebrate yours. Experians culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI work/life balance development authenticity collaboration wellness reward & recognition volunteering... the list goes on. Experians people first approach is award-winning; Worlds Best Workplaces 2024 (Fortune Top 25) Great Place To Work in 24 countries and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.
Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experians DNA and practices and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work irrespective of their gender ethnicity religion colour sexuality physical ability or age. If you have a disability or special need that requires accommodation please let us know at the earliest opportunity.
Remote Work :
Yes
Employment Type :
Full-time
Key Skills
- Databases
- Data Analytics
- Microsoft Access
- SQL
- Power BI
- R
- Tableau
- Data Management
- Data Mining
- SAS
- Data Analysis Skills
- Analytics
About Company
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, ... View more
