PowerCurve Originations Consultant / Senior Developer (ODS)

Location: Wilmington, DE (hybrid model, at least 2 days on-site).

About the Role

Manage and implement Experian's PowerCurve Originations platform, a decisioning tool used to automate credit applications and customer acquisition processes. The platform analyzes data to make fast, accurate credit decisions based on pre-defined rules and strategies, helping businesses identify and approve high-quality customers while mitigating risk. This role requires expertise in data analysis, credit risk management, and the PowerCurve platform.

Responsibilities

• Design and develop strategies in PowerCurve.
• Execute tests using PowerCurve Design Studio.
• Identify, document, and track bugs and performance issues.
• Collaborate with developers and QA teams to resolve defects.
• Ensure APIs meet functional and non-functional requirements.
• Analyze and report on test results, providing actionable insights.
• Continuously improve testing processes and methodologies.
• Participate in code reviews and provide feedback on API design.
• Design and build decisioning rules and strategies within the PowerCurve platform to optimize customer acquisition while managing risk levels based on business objectives.
• Connect various data sources (e.g., credit bureaus, internal databases, application data) to feed into the PowerCurve platform for comprehensive decision-making.
• Configure application processes within PowerCurve, including data capture, validation, and decisioning steps to streamline the customer onboarding experience.
• Track key metrics like approval rates, default rates, and customer acquisition costs to analyze the effectiveness of decisioning strategies and make necessary adjustments.
• Ensure adherence to regulatory requirements related to credit decisioning and data privacy.

Requirements

• Proficiency in the PowerCurve Originations platform, including its decisioning engine, data mapping, and strategy design features.
• Understanding of credit risk management principles, credit scoring models, and regulatory compliance related to lending.
• Ability to analyze large datasets, interpret trends, and translate insights into actionable strategies.
• Business acumen, including understanding of business goals, profitability metrics, and the impact of credit decisions on overall business performance.
• Designing, developing, and maintaining business rules within Experian's PowerCurve platform to automate credit and risk-related decisions for clients across various industries.