Senior Data Scientist, Credit

About Caribou 

At Caribou, we’re on a mission to help people save money and take control of their car payments. Caribou does this by using technology to unlock low rates, and people to make the process easy and enjoyable. We offer a fully online application and a dedicated team to walk you through the process. We put Drivers in control.

Caribou is a hyper-growth company built by leaders from the technology, automotive, and finance industries. We have grown 20x in the past three years and raised a $115M Series C. We’re proud to be backed by a great team of investors, including QED Investors, Goldman Sachs, Moderne Ventures, Accomplice, Link Ventures, Motley Fool Ventures and others.

About the Role

Caribou is looking for a Senior Data Scientist to help develop modeling and quantitative strategies in the Credit space. You’ll work closely with our Credit Strategy team to develop credit-centric productionized models including estimating propensity to respond to mailers and propensity to default on loans, among others. You’re familiar with credit data and best practices in the space, but also can think outside the box to develop novel solutions to major strategic initiatives for the business. You thrive in fast paced environments and have a knack for taking unstructured problems and breaking them down into digestible and actionable pieces.

Responsibilities

• Identify and solve business challenges in the credit space with advanced data science and analytics tools, including audience selection and credit risk
• Partner with credit, product and engineering to translate business insights into productionalized models to meet business needs
• Work with product and engineering to set up the necessary pipelines and infrastructure to deploy productionalized models at scale throughout various parts of the business
• Act as a thought partner to our Credit and Strategy and Analytics functions to develop a winning data-driven strategy

This role can be based out of Caribou offices in Washington, DC; Denver, CO; Austin, TX. Alternatively, the role may be based remotely within the U.S. Caribou currently requires that all personnel and visitors to any of its offices are fully vaccinated against the COVID-19 virus.  As a result, candidates must be fully vaccinated against COVID-19 to be eligible for this position (subject to any exemptions or accommodations due to medical or religious reasons).

About You

We are looking for a candidate with:

• A degree in a quantitative field like computer science, math, economics, statistics, finance, or engineering
• 3-5 years of experience in a data science role in the technology or finance space
• Experience working consumer data (especially consumer finance), including data from credit bureaus
• Experience working in cloud ML environments (GCP, AWS, Azure, VertexAI, etc.) 
• Expert in SQL and Python, including key data science packages (Scikit-learn, XGBoost, Pandas)
• Demonstrated ability to explain and visualize complex data science techniques to non technical audiences
• The ability to break down and solve large unstructured problems
• Independent thinker and self starter

How we will take care of you

Everyone at Caribou is a valued team member, and we always strive to live up to our value Take Care of Each Other. Our compensation and benefits package includes: 

• Competitive compensation: 125k - 145k annual salary 
• Equity in a high-growth company
• 401k savings program with 3% company contribution
• Generous paid time off including: 20 days accrued PTO per year, 14 annual company holidays, 16-weeks paid parental leave, bereavement leave, and volunteer day
• Robust wellness benefits including company-paid plans for health, dental, vision, mental health, disability and basic life insurance
• Optional benefits to suit your individual circumstances such as HSAs, FSAs, supplemental life and medical insurance, and pet insurance
• Up to $1,000 per year for eligible professional development expenses

Our Core Values

We come from all walks of life and are joined together by our shared values, which guide our work. This helps us improve life for our customers, our communities and our team members.

• See people as people
• Take care of each other
• Commit to the mission
• Move quickly and bravely
• Get better every day
• Seek truth

Caribou is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, pregnancy status, marital status, military or protected veteran status, genetics, or any other characteristic protected by law. This position is not restricted solely to the responsibilities listed above, and the scope and responsibilities are subject to change. A pre-employment background check is required as a condition of employment.

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