Senior Data Scientist

ABOUT OPORTUN

Oportun (Nasdaq: OPRT) is a digital banking platform that puts its 1.9 million members’ financial goals within reach. With intelligent borrowing, savings, budgeting, and spending capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $14.7 billion in responsible and affordable credit, saved its members more than $2.3 billion in interest and fees, and helped our neobanking members save an average of more than $1,800 annually. For more information, visit Oportun.com.

WORKING AT OPORTUN

Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups and our Diversity, Equity, Inclusion and Belonging Council.

Oportun’s Data Science and Analytics team is growing rapidly and driving Oportun’s AI driven, mobile first strategy leveraging the latest and greatest technology! We work in a highly collaborative and agile environment with a variety of teams such as Engineering and Product Management to build the next generation of AI driven solutions used to manage risk, profitability, digital marketing, customer experience and fraud. We encourage our teams to take end-to-end responsibility from conceptualisation of ideas to implementation and then to measure the business impact to drive the highest levels of personal accountability.

As Senior Data Scientist of Marketing Data Science team, you will play critical role for driving Oportun’s AI/ML direct marketing strategy. You will part of a team of data scientists based out of India and responsible for developing Oportun’s AI driven intellectual property used in Oportun’s direct marketing strategy to prospects that often lack a traditional credit score. 

Leveraging our dedicated AWS direct marketing environment along with thousands of features, team will design automated ML pipeline and build propensity models, risk models and profitability models that are leveraged in optimizing marketing spend for millions of prospects across multiple products (personal loans and credit cards) and channels (i.e. direct mail, digital marketing, partners, existing customers and aggregators)

Responsibilities:

• Build end-to-end reusable and automatic pipelines from data acquisition to ML model development to model output delivery through partnership with data and production engineering teams
• Build automated processes for ML models monitoring and ML Models refresh
• Develop customer level response models, propensity models, risk models, and profitability models leveraging credit bureau and as well as alternate data for credit cards and personal loan products
• Build a consumer centric marketing engine to optimize marketing spend for millions of prospects across multiple products (personal loans and credit cards) and channels (i.e. direct mail, digital marketing, partners, existing customers and aggregators)
• 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.
• Build experimental design-based testing framework for rapid experimentation and learning
• Design and build marketing data infrastructure by partnering with data and production engineering teams
• Communicate and partner with third party data vendor

Requirements:

• 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)
• 2+ years of hands-on experience in building large scale data pipelines
• 2+ years of hands-on experience in end to end ML model deployment
• 2+ years of experience in developing and maintaining machine learning platforms
• 3+ years of hands-on experience with data extraction, cleaning, analysis and building reusable data pipelines; Proficient in Python. SQL, Spark SQL and/or Hive
• 2+ years of experience in leveraging modern machine learning toolset and programming languages such as Python
• Prior experience in API and Software Development would be a big plus
• Prior hand-on experience in MLFlow/Databricks or Kubeflow would be a big plus
• 2+ years  data science experience in developing machine learning models, preferably with targeting and risk models
• Hands on experience leveraging machine learning techniques such as Gradient Boosting, Clustering, Logistic Regression or Random Forest to solve real world problems
• Excellent written and oral communication skills
• A relentless problem solver and out of the box thinker with a proven track record of driving business results in a timely manner
• Strong stakeholder management and project management skills
• Experience working with AWS EMR, Spark or other cloud-based platforms is a plus
• Comfortable in a high-growth, fast-paced and agile environment

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We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.

California applicants can find a copy of Oportun's CCPA Notice here:  https://oportun.com/privacy/california-privacy-notice/.