CREDIT DATA MODELER

About the role

The organization operates within the health care information and services industry, focusing on leveraging large-scale health-related data to improve health care delivery and management. It addresses challenges in health care by integrating advanced data analytics and innovative strategies, aiming to enhance health and lifestyle decisions and optimize pharmacy benefits for a broad population. The CREDIT DATA MODELER role is responsible for developing and maintaining predictive models that assess credit risk and support underwriting, fraud detection, and collections strategies. This position plays a key part in enhancing model performance by incorporating alternative financial data and ensuring compliance with relevant regulations. The role contributes to the organization by translating complex data into actionable insights that inform credit-related decision-making.

Responsibilities

• Develop and maintain predictive models for application and behavioral scoring, probability of default, loss given default, and early risk detection
• Design models for underwriting, fraud detection, credit line management, and collections
• Create advanced features using alternative financial data sources
• Evaluate new data vendors and enrich internal datasets
• Collaborate with Data Engineering and Product teams to move models from prototype to production
• Ensure models comply with FCRA, ECOA, and fair lending standards
• Oversee model monitoring, validation, reporting, back testing, and recalibration
• Work with cross-functional teams to integrate model outputs into strategies
• Communicate insights to both technical and non-technical stakeholders

Requirements

• Master’s degree in Statistics, Computational Mathematics, Data Science, or related field
• At least 24 months of experience in data modeling or related occupation
• Proficiency in Python, R, SQL, Tableau or Power BI
• Experience in credit risk modeling and loss forecasting (PD, LGD, and EAD)
• Knowledge of machine learning techniques including gradient boosting, neural networks, and random forest

Pay

$156,309 - $261,576 per year

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• 401(k) plan with matching