Job Description

Department Overview: ABOUT RISK MANAGEMENT @ OPORTUN We are growing our world-class team of mission-driven risk managers who are passionate about broadening financial inclusion by untapping insights from alternative data. Be part of the team responsible for developing and running Oportun’s marketing optimization platform that leverage Oportun’s core intellectual property for scoring risk for underserved consumers that often lack a traditional credit score or are mis-scored by traditional credit bureaus. In this role you will be working with large and diverse alternative data sets and machine learning to execute multi-product and multi-channel marketing programs. You will also drive growth and optimize marketing spend across multiple products and channels by leveraging alternative data to help predict which consumers would likely be interested in one of Oportun’s affordable, credit building lending products. Overview:
We are growing our world-class team of mission-driven, entrepreneurial Data Scientists who are passionate about broadening financial inclusion by untapping insights from credit and non-credit bureau data. Be part of the team responsible for developing and enhancing Oportun’s core intellectual property used in various business problems such as scoring/assessing credit risk for underserved consumers that often lack a traditional credit bureau score or are mis-scored by traditional credit bureaus.

In this role you will be working with large and diverse alternative data sets (I.E, data from dozens of sources including transactional, mobile, utility, other financial services, etc..) utilizing machine learning to build models and strategies for wide range of underwriting and customer life cycle management decisions. You will also work closely with Could Engineering team to develop our new generation real-time model deployment platform on AWS. Qualifications:

• A relentless problem solver and out of the box thinker with a proven track record of driving business results in a timely manner
• Comfortable in a high-growth, fast-paced and agile environment
• Master’s degree or PhD in Statistics, Mathematics, Computer Science, Engineering or Economics or other quantitative discipline (Bachelor’s degree with significant relevant experience will be considered).
• 5+ years data science experience preferably with Machine Learning models and model platform.
• Hands on experience leveraging machine learning techniques such as Gradient Boosting, Clustering, Logistic Regression and Neural Network to solve real world problems
• 5+years of hands-on experience with data extraction, cleaning, analysis and building reusable data pipelines; Proficient in SQL, Spark SQL and/or Hive
• 5+ years of experience in leveraging modern machine learning toolset and programming languages such as Python
• Excellent written and oral communication skills
• Strong stakeholder management and project management skills
• Experience working with AWS EMR, Sage-maker or other cloud-based platforms is a plus

Responsibilities:

• Develop data products and models used in managing credit/fraud risk and customer lifetime valuation and provide frictionless customer experience for various products and services Oportun provides.
• Build end-to-end reusable pipelines from data acquisition to model output delivery through partnership with data and production engineering teams.
• Support the development of automated monitoring tools which can enables us to make almost real-time assessment of the performance of models and rules, and extract insights
• Lead initiatives to drive business value from start to finish including project planning, communication and stakeholder management.
• Lead discussions with Compliance, Bank Partners and Model Risk Management teams to facilitate the Model Governance Activities such as Model Validations and Monitoring.
• Lead, coach and partner with the DS and non-DS team to deliver results
• Communicate and partner with third party data vendors.

Company Overview:
ABOUT OPORTUN
Oportun (Nasdaq: OPRT) is an A.I.-powered digital banking platform that seeks to make financial health effortless for anyone. Driven by a mission to provide inclusive and affordable financial services, Oportun helps its nearly 1.5 million hardworking members meet their daily borrowing, savings, banking, and investing needs. Since inception, Oportun has provided more than $12 billion in responsible and affordable credit, saved its members more than $2 billion in interest and fees, and automatically helped members set aside more than $7.2 billion for rainy days and other needs. In recognition of its responsibly designed products, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

With headquarters in California and a remote-first corporate culture, our 3,000+ team members work in Oportun locations and remotely throughout the United States, Mexico, and India. Our global operations include our Mexico contact centers and administrative offices, our India technology development center, and our US corporate, technology, and retail operations.

We are proud to have been named a “Top Workplace” by the Bay Area News Group for three consecutive years, one of Fast Company’s Most Innovative Companies in the World for 2020 and recognized as one of TIME Magazine’s 2018 Genius Companies Reinventing the Future.