Job description
Spartan capital provides top world leading data-driven Finance solutions for Small and Medium size businesses -SMB’s. Spartan Capital is a dynamic, fast-growing FinTech company that is revolutionizing the financial services industry with cutting-edge technology and innovative solutions.
As Manager of Data Science and Credit Risk, you will help to design and track various pricing and credit strategies. You will assist the company’s Portfolio Strategy department and members of the executive team to understand emerging trends, key drivers of business performance, and work closely with department leadership and other functions in the business including Credit Risk, and the Underwriting Department.
DO NOT APPLY UNLESS:
1-You have >4yrs experience on Data Science applied to Building credit risk modeling & loan portfolio performance metrics
2-You can work in person at the Hazlet Nj Location.
In this role you will:
- develop and implement credit risk models and AI-driven underwriting and credit decision processes, optimize strategies related to risk management, pricing, and business growth, and shape and enhance lending products and processes to ensure they are grounded in robust risk management principles
- Collaborate with senior team members to assess and manage portfolio risk, ensuring alignment with organizational risk tolerance.
- Provide reporting and analysis of pricing and profitability to senior management on the portfolio and pricing initiatives.
- Assess potential impacts of new strategies on the current portfolio.
- Continually monitor the performance data models and offer recommendations on policy changes related to data models.
- Engage in exploratory initiatives to identify and develop new business strategies.
- Work closely with senior team members to implement and execute strategic initiatives.
- Identify and assess new data sources to help bolster the company’s underwriting and analytics’ capabilities.
Required Skills and Experience:
- 5+ years of experience in banking or Fintech, specializing in Modeling for underwriting, fraud detection, risk management, or collections for either consumer or small business. Hands on Experience in Statistical Models such as Logistics regression, XGBoost, Decision trees, or other ensembles.
- Proven track record in risk management within the fintech or financial services industry.
- Strong understanding of fintech products, lending solutions, Embedded finance and industry regulations.
- Exceptional analytical and problem-solving skills with the ability to evaluate complex scenarios and drive data-driven decisions.
- Familiarity with risk and pricing strategies preferred
- Self-starter with drive to outperform and attention to detail
- Proficient in SQL, Tableau, Power BI, Looker (or similar)
- Advanced skills with Microsoft Excel (pivot tables, VLOOKUP, nested IF statements, etc.), PowerPoint, and related tools
- Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing,
- Preferred: Python programming skills
- Preferred: consumer or small business lending experience
Join us as a Senior Credit Analyst where your expertise will play a vital role in shaping our lending strategies while safeguarding our organization against potential risks.
Job Type: Full-time
Pay: $100,000.00 - $165,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Education:
Experience:
- Data science: 5 years (Required)
- Credit Risk Analysis: 3 years (Required)
Ability to Commute:
- Hazlet, NJ 07730 (Required)
Ability to Relocate:
- Hazlet, NJ 07730: Relocate before starting work (Required)
Work Location: In person
