First Help Financial is one of the fastest growing and most diverse companies in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 40% each year over the last five years.

Are you a data science professional that enjoys statistical modeling?

First Help Financial, voted and certified as a “Great Place to Work” by our workforce for two years in a row, is adding a new partner to our Strategy & Analytics department to accommodate our remarkable growth! Here you will find hard-working colleagues that come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Your Title: Lead Risk Analyst/Risk Modeler

Your Location: Remote/ Anywhere in the US

You Report To: Director, Strategy & Analytics

Compensation: $99,500 plus bonus!

About the Opportunity:

The role will work closely with the CCO and other C-level execs to play a pivotal role in growing the company. You will see the challenges and opportunities of building a company through technology and data and use internal and external data to influence decision making. As part of a very small team focused exclusively on Strategy & Analytics, you will see everything that it takes to grow a business.

Consumer Credit Risk - Statistical Modeling

• Develop new generation underwriting, credit risk scorecards & loan-pricing models
• Manage risk strategies for auto-lending products. Validate models using simulation techniques
• Evaluate and model expected losses including probability of default, loss given default and exposure at default
• Keep abreast of regulatory aspects and compliance requirements in consumer lending and ensure that the credit models built not only provide superior performance but also strictly adhere to all the relevant regulations

Portfolio Analytics

• Design and develop analytical infrastructure to monitor portfolio performance including KPI dashboards, reports and other tools.
• Derive analytical insights from portfolio data and evaluate risk profile trends.
• Develop pricing models to evaluate and price bulk portfolios for purchase
• Conduct analysis on the impact on portfolio due to changes in the macroeconomic factors and make business recommendations

Operations Analytics

• Develop statistical models to monitor and improve collector effectiveness along several key Servicing dimensions
• Formulate actionable tasks to lower delinquency rates, losses and roll-rates
• Ideate and innovate superior collection strategies to increase the effectiveness and efficiency of collector activities
• Champion operational process improvements to leverage technology & analytical tools as appropriate. Standardize & automate report generation.

Cross-functional

• Partner with Servicing Operations team to leverage analytics to develop statistical models and improve operational processes
• Partner with Technology team for evaluation and roll-out of cutting-edge innovation in financial technology.
• Coordinate with Risk team to refine existing underwriting models and build newer risk models
• Support C-level executives with ad hoc analyses to address specific business problems.
• Provide operational support to Servicing team as required

What you bring:

• Master’s degree in Statistics/Data Science/Econometrics is required
• 3-5 years experience as a Data Scientist/Statistical Modeling in a Financial institution, hands-on experience in building end-to-end customer credit scoring model.
• Excellent knowledge of various statistical techniques and having built statistical models (Logistic/linear Regressions, Boosting/bagging, SVM, Time series, Survival Techniques, Clustering, CHAID/Classification trees, deep learning, etc).
• Strong written communication skills, with an ability to create clear and concise communication
• Strong oral communication skills, with experience in presenting to mid-senior management
• Basic exposure to translating a business problem into a structured analysis. Experience in analyzing large and complex data sets
• Experience in business analytics and data-based decision making
• Experience with a data scripting language (Python, SAS, R)
• Experience with SQL or relational databases

Differentiating Factors:

• 3+ years experience in an auto-lending/credit institution preferred
• Experience with machine learning principles such as AB testing, association analysis, clustering, decision trees, neural networks, principal component analysis, regression, etc.
• Experience with application of machine learning techniques including XG Boost, GMB, Neural Network, SVM and Random Forest preferred.

FHF Benefits:

Great Perks – We offer generous salaries, competitive health and welfare benefits, paid vacation, 401(k) match, tuition reimbursement, quarterly social outings, monthly lunches, a robust employee recognition program, and a training development program to enhance your career with us.

Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.

Growth - Company growth provides unprecedented career growth. FHF’s extraordinary year-over-year growth in revenue and new markets provides an opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone, and we have a proven record of investing in you.

Diversity and Inclusion:

FHF is committed to building a culture that respects and embraces all walks of life, inclusive of all genders, race, culture, age, sexual orientation, and other identities. We will make accommodations when interviewing anyone with special needs.

Keywords: Data Science, Data Scientist, Statistical Modeling