You will be in charge of creating an automatic system to make our credit underwriting decisions, working closely with the Product and Engineering. You will develop and keep improving our credit risk models to drive down our loss rate. Your responsibilities include:
Develop machine learning models to predict defaultAggregating and synthesizing datasets from multiple data environmentsSearch and acquire new datasetsInvestigate loss cases to identify new signals and trends in user behaviorConduct loss sensitivity analysisBuild analytical dashboardsAutomate model refresh and re-calibratingModel maintenance including models performance monitoring and drift monitoringMay lead/mentor junior data scientistsQualifications: Master's or PhD degree in Physics, Statistics, Mathematics, Engineering, Computer Science, or a quantitative field.Expert knowledge of data analytics and modeling using SQL, Python, and machine learning/analytical packages.Deep understanding and extensive experience in developing and deploying ML solutions from initial concepts to final deliverables.Strong problem-solving and communication skills.Self-motivated, eager to learn, and able to work collaboratively in a fast-moving environment.2+ years of hands-on experience in building credit risk models, preferably within the fintech industry.Attention to detail and intellectual curiosity to understand user behavior and loss patterns.About Kikoff: Kikoff is a personal finance platform designed to help millions of underserved Americans achieve financial wellness. Our mission is to provide refreshingly fair, effective, and simple pathways for everyday people to meet their financial goals. We design financial products that simplify credit building so our users can reach their financial goals.
Why Kikoff: This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We are backed by some of Silicon Valley's top VCs. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships.
Competitive pay based on experience.
Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!
Stock Options.
Flexible vacation policy to help you recharge.
Location: San Francisco, CA.
Visa sponsorship available: Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.
Equal Employment Opportunity Statement: Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and consider qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
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