Director, Data Science – Credit Risk Scoring

Job Description

About the Role

Title: Director, Data Science – Credit Risk Scoring

Location: Costa Mesa United States

Full-time

Employee Status: Regular

Role Type: Hybrid

Job Posting – Salary Range: $148,617 – $267,510

Department: Analytics

Schedule: Full Time

Job Description:

Job Description

We are looking for an experienced Director, Data Science to lead our data science projects with a focus on credit risk scoring. We are looking for expertise in building, implementing, and optimizing credit risk models, including machine learning (ML) models, and the ability to manage a team of data scientists.

You are a hands-on coder with experience using data-driven insights to lead decision-making. You have a background in modeling and experience of Python, with demonstrated experience delivering solutions to complex credit risk challenges. As a Director, Data Science you will report to the VP, Analytics.

Responsibilities:

Leadership & Strategy:

Build and mentor a team of data scientists specializing in credit risk modeling.

Build the data science strategy for credit risk modeling and analytics with our goals.

Collaborate with teams, including product, engineering, and compliance, to integrate models into our workflows

Hands-On Development:

Design scalable, accurate, and explainable credit risk models and models solving problems across the entire credit life-cycle using machine learning and traditional statistical techniques.

Write high-quality, production-grade Python code to prototype and implement models.

Ensure compliance with regulatory requirements and company policies.

Data and Insights:

Analyze large datasets to identify trends and drivers of credit risk, ensuring applicable insights for partners.

Develop approaches to feature engineering and data enrichment to improve model performance.

Maintain existing models, ensuring they remain up-to-date with changing data and our needs.

Communicate technical concepts and model outcomes to non-technical partners.

Stakeholder Management:

Provide strategic insights to executive leadership based on data science outcomes.

Communicate technical concepts and model outcomes to non-technical partners.

Qualifications

Master’s degree in Data Science, Statistics, Computer Science, Mathematics, or a related field.

8+ years of data science experience, focusing on credit risk modeling.

Experience leading teams.

Hands-on experience developing and deploying machine learning models, especially in credit risk contexts.

Fundamental knowledge in general processes around targeting, Fraud detection, acquisitions, Account management, collections

Advanced proficiency in Python and main libraries such as Pandas, NumPy, Scikit-learn, and TensorFlow/PyTorch.

Knowledge of statistical modeling, feature engineering, and machine learning algorithms.

Experience working with big data technologies and distributed systems (e.g., Spark, Hadoop).

Knowledge of credit risk scoring methodologies, regulatory frameworks, and model governance.

Experience scrapping data and parsing unstructured data

Capabilities with the ability to inspire and mentor team members.

Translate complex technical details into applicable insights for diverse partners.

Thinker with a creative approach to the ability to develop unique solutions

Experience with Visualization tools such as Tableau

Perks

Great compensation package and bonus plan

Core benefits including medical, dental, vision, and matching 401K

Flexible work environment, ability to work remote, hybrid or in-office

Flexible time off including volunteer time off, vacation, sick and 12-paid holidays

#LI-Hybrid

Additional Information

Our uniqueness is that we celebrate yours. Experian’s culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI, work/life balance, development, authenticity, collaboration, wellness, reward & recognition, volunteering… the list goes on. Experian’s people first approach is award-winning; World’s Best Workplaces 2024 (Fortune Top 25), Great Place To Work in 24 countries, and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.

Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experian’s DNA and practices, and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work, irrespective of their gender, ethnicity, religion, colour, sexuality, physical ability or age. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.