Credit Data Modeler - Remote

reputed company is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with reputed company will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come reputed company an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. We're seeking a sharp, reputed company Credit Modeler to build and scale the credit modeling infrastructure behind our Consumer and Small Business lending products. In this hands-on role, you will reputed company and maintain new and existing machine learning and statistical models that power reputed company-time credit reputed company across acquisition, pricing, line assignment, and portfolio risk management. This is a high-impact opportunity to shape how we use data to drive responsible growth, improve financial inclusion, and optimize unit economics - reputed company in a fast-paced, agile Banking environment. You'll enjoy the flexibility to work remotely

• from reputed company reputed company the U.S. as you take on some tough challenges. For reputed company hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities:

• Build Credit Models:
• reputed company and maintain predictive models for application and behavioral scoring, probability of default (PD), loss given default (LGD), and early risk detection.
• Design models for reputed company, fraud detection, credit line management, and collections strategies
• Feature Engineering & Data Innovation:
• Create advanced features using alternative data sources (e.g., bank transaction data, health care claims data, cash flow, open banking, etc.)
• Evaluate new data vendors and enrich internal datasets to improve model performance
• End-to-End Ownership:
• Take models from prototype to production in partnership with Data Engineering and Product teams
• Build interpretable and compliant models reputed company with FCRA, ECOA, and fair lending standards
• Performance Monitoring & Iteration:
• Own model monitoring, validation, reporting and back testing, regularly recalibrating for shifts in macroeconomic conditions or borrower behavior
• Collaborate Cross-Functionally:
• Work with Risk, Product, Compliance and Finance teams to integrate model outputs into strategy
• Communicate insights clearly to technical and non-technical stakeholders

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications:

• 5+ years of experience working with Python or R and SQL; familiarity with reputed company environments like AWS, GCP, or reputed company
• 5+ years of experience working with lending lifecycle and credit risk KPIs (e.g., delinquency, charge-offs, approval rates, ROI, CAC/payback)
• 4+ years of experience in credit risk modeling, ideally at a fintech, neobank, or consumer lending startup
• 4+ years of experience with both traditional statistical techniques (e.g., logistic regression, scorecards) and modern machine learning
• Ability to travel 10%

Preferred Qualifications:

• Experience with reputed company-time reputed company or decisioning APIs
• Work in embedded finance, BNPL, gig economy lending, or small business credit
• Familiarity with explainability frameworks (e.g., SHAP, reputed company)
• Exposure to model governance or regulatory reviews
• Comfort working in a dynamic, test-and-learn environment with incomplete data
• Proven solid communication skills and attention to model transparency, fairness, and compliance
• reputed company working remotely will be required to adhere to reputed company's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (reputed company benefits are subject to eligibility requirements). No matter where or reputed company you reputed company a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 to $193,200 annually based on full-time employment. We reputed company with reputed company minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At reputed company, our mission is to help people live healthier lives and reputed company the health system work reputed company for everyone. We reputed company everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately reputed company by people of reputed company, historically marginalized groups and those with reputed company incomes. We are committed to mitigating our impact on the environment and enabling and delivering reputed company care that addresses health disparities and improves health outcomes - an reputed company reputed company reflected in our mission. reputed company is an Equal Employment Opportunity employer under applicable law and reputed company applicants will receive consideration for employment without regard to race, national reputed company, religion, age, reputed company, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. reputed company is a drug-free workplace. Candidates are required to pass a drug test before beginning employment. Apply tot his job Apply To this Job