VP Credit Risk
at Monzo (View all jobs)
Here at Monzo we’re at a tipping point:
We’re now the fastest growing bank in the UK (in # of new users, as well as % terms) - adding over 100k new users each month.
We’re rated by Which as the best bank in the UK
In the last few months we’ve reached break-even unit economics (every additional user adds additional profitability, albeit we still have ~£30m of fixed costs we have to cover)
We just finished raising an additional £105m of capital (at a £1Bn pre-money valuation).
At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and we execute quickly.
We’re looking to revolutionise the way consumers manage their finances by putting them in control and promoting their financial wellbeing. As part of that effort we are developing lending products that genuinely feel good and are looking for highly intelligent and creative individuals to help us on our journey.
The Role
At Monzo we are split teams into highly autonomous multi-functional ‘squads’ - each empowered and equipped to tackle a specific problem for our users. As Director/VP of Credit Risk you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back.
You would be responsible for:
All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic.
Credit limit assignment activity and credit limit increase/credit limit decrease programs
Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.).
Provisioning, write offs and management of our P&L credit loss line
Ensuring we lend in a compliant and consumer centric way
Ultimately you would be responsible for ensuring that we understand and manage the credit risk we’re taking, and that we do so in a way which continues to support our rapid growth ambitions. Achieving this control vs growth balance is likely to require substantial first principles thinking and challenging existing ways of doing things.
Additionally you would manage all of the Decision Scientists and Credit/data analysts within the Lending team. You would create hiring plans, establish progression frameworks for development to ensure that we are hiring and retaining world-class analysts at the right rate to match our growth plans.
You would oversee the quality of the analysts work, ensure the analysts in the various squads are adopting best practices and sharing knowledge effectively - and would ultimately be responsible for the quality and speed of all analytical output within Lending.
The Candidate
We’d love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should understand and have developed decision systems, have a great knowledge of credit reference agency products and data (including reporting back) and should have experience of setting and reporting against credit control frameworks including building and operating IFRS9 compliant provisioning models. Experience of doing the above on personal current accounts, unsecured personal loans and credit cards is preferred.
You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment:
Credit underwriting,
Collections strategy design and management,
Decision system management and development,
Data Science (regression modelling and machine learning),
Portfolio optimisation, including redecisioning and credit limit strategy management,
Credit reference agency data and products (including reporting back and negotiating commercials)
Provisioning including IFRS9,
Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economics,
Capital allocation and P&L income and losses modelling and stress testing,
A/B test design and statistical significance
You’d be a good fit for the role if you’re comfortable working in a highly collaborative environment where ideas can come from all team members as well as balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes). The team operates in a highly agile manner, so it’s important that you’re able to identify and focus on what is necessary for the next milestone (rather than the perfect solution).
Whilst you may not have been analytically ‘hands on’ over the last couple of years you should come from an analytical background and be comfortable ‘getting your hands dirty’ with pulling your own data and doing your own analytics where necessary.
You'll spend your time:
Working with the team to enhance our decisioning logic and systems
Monitoring and communicating the level of credit risk we’re taking
Communicating insights relating to our lending portfolio and gaining buy-in to strategy changes from stakeholders across the business, at all levels up to and including board level
Liaising with colleagues from across the business to support them in achieving their goals (and get their support in achieving yours!)
Hiring, managing, coaching and developing analysts within the Lending team
Ensuring we build our products in a compliant and customer-centric way
You should apply if:
You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable
You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L.
You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking
You’re self-motivated, highly organised and focussed on impact
You’re comfortable with ambiguity and can think from first principles
You’re happy taking an MVP approach and doing what’s good enough for now
You have strong analytical skills (previous experience of SQL is a must, R, Python, SAS, VBA and similar are a plus)
You’re excited about the future of banking and want to work with us to shape it
You’re able to build strong, mutually respectful relationships with diverse teams
Logistics
The application process consists of a short phone interview, followed by a practical written exercise with a follow up call, and a couple of on-site interviews at our office in London. We'll kick off reviewing applications for this role in early-mid January
We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can – whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.
Competitive salary plus stock options and other benefits.
Feb 20, 2019
Full time
VP Credit Risk
at Monzo (View all jobs)
Here at Monzo we’re at a tipping point:
We’re now the fastest growing bank in the UK (in # of new users, as well as % terms) - adding over 100k new users each month.
We’re rated by Which as the best bank in the UK
In the last few months we’ve reached break-even unit economics (every additional user adds additional profitability, albeit we still have ~£30m of fixed costs we have to cover)
We just finished raising an additional £105m of capital (at a £1Bn pre-money valuation).
At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and we execute quickly.
We’re looking to revolutionise the way consumers manage their finances by putting them in control and promoting their financial wellbeing. As part of that effort we are developing lending products that genuinely feel good and are looking for highly intelligent and creative individuals to help us on our journey.
The Role
At Monzo we are split teams into highly autonomous multi-functional ‘squads’ - each empowered and equipped to tackle a specific problem for our users. As Director/VP of Credit Risk you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back.
You would be responsible for:
All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic.
Credit limit assignment activity and credit limit increase/credit limit decrease programs
Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.).
Provisioning, write offs and management of our P&L credit loss line
Ensuring we lend in a compliant and consumer centric way
Ultimately you would be responsible for ensuring that we understand and manage the credit risk we’re taking, and that we do so in a way which continues to support our rapid growth ambitions. Achieving this control vs growth balance is likely to require substantial first principles thinking and challenging existing ways of doing things.
Additionally you would manage all of the Decision Scientists and Credit/data analysts within the Lending team. You would create hiring plans, establish progression frameworks for development to ensure that we are hiring and retaining world-class analysts at the right rate to match our growth plans.
You would oversee the quality of the analysts work, ensure the analysts in the various squads are adopting best practices and sharing knowledge effectively - and would ultimately be responsible for the quality and speed of all analytical output within Lending.
The Candidate
We’d love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should understand and have developed decision systems, have a great knowledge of credit reference agency products and data (including reporting back) and should have experience of setting and reporting against credit control frameworks including building and operating IFRS9 compliant provisioning models. Experience of doing the above on personal current accounts, unsecured personal loans and credit cards is preferred.
You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment:
Credit underwriting,
Collections strategy design and management,
Decision system management and development,
Data Science (regression modelling and machine learning),
Portfolio optimisation, including redecisioning and credit limit strategy management,
Credit reference agency data and products (including reporting back and negotiating commercials)
Provisioning including IFRS9,
Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economics,
Capital allocation and P&L income and losses modelling and stress testing,
A/B test design and statistical significance
You’d be a good fit for the role if you’re comfortable working in a highly collaborative environment where ideas can come from all team members as well as balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes). The team operates in a highly agile manner, so it’s important that you’re able to identify and focus on what is necessary for the next milestone (rather than the perfect solution).
Whilst you may not have been analytically ‘hands on’ over the last couple of years you should come from an analytical background and be comfortable ‘getting your hands dirty’ with pulling your own data and doing your own analytics where necessary.
You'll spend your time:
Working with the team to enhance our decisioning logic and systems
Monitoring and communicating the level of credit risk we’re taking
Communicating insights relating to our lending portfolio and gaining buy-in to strategy changes from stakeholders across the business, at all levels up to and including board level
Liaising with colleagues from across the business to support them in achieving their goals (and get their support in achieving yours!)
Hiring, managing, coaching and developing analysts within the Lending team
Ensuring we build our products in a compliant and customer-centric way
You should apply if:
You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable
You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L.
You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking
You’re self-motivated, highly organised and focussed on impact
You’re comfortable with ambiguity and can think from first principles
You’re happy taking an MVP approach and doing what’s good enough for now
You have strong analytical skills (previous experience of SQL is a must, R, Python, SAS, VBA and similar are a plus)
You’re excited about the future of banking and want to work with us to shape it
You’re able to build strong, mutually respectful relationships with diverse teams
Logistics
The application process consists of a short phone interview, followed by a practical written exercise with a follow up call, and a couple of on-site interviews at our office in London. We'll kick off reviewing applications for this role in early-mid January
We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can – whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.
Competitive salary plus stock options and other benefits.
Responsibilities
WorldRemit's Risk function are an expanding team due to the growth and future development of the business. The team are responsible for the development and implementation of the Enterprise Risk Management framework. The Group Risk Analyst will gain exposure to all areas of the business working closely with business and team leaders to ensure their risks are being identified and mitigated in line with company risk appetite and reporting on findings to senior management.
The role is hands on with maintaining and developing the risk management system; interpreting and analyzing risk data; helping embed the group risk framework and assists in promoting a risk aware culture within the business.
The Group Risk Analyst reports to and keeps the Group Risk Director informed of existing and developing risks as well as those on the horizon.. Establishing controls and/or a trigger system for breaches of WorldRemit’s risk appetite or limits.
Contribution to coordinating / running risk workshops, 1-1 sessions, trend analysis etc
Horizon scanning for future potential regional risks which may have an impact on the company
Keeping up to date with local regulatory changes within the remittances industry and key jurisdictions
Reporting on risk items including but not limited to proposing appropriate risk-mitigating actions.
Distributing risk management related communication, education, and awareness initiatives.
Identifying material individual, aggregate, and emerging risks.
To assist the BCM Team in developing and delivering viable business continuity programme that ensures adequate contingency plans are put into effect during the periods of disruption.
To push global standardization of the BCM and Risk programmes.
Support the Head of BCM in managing the development and maintenance of global business continuity plans in line with WorldRemit BCM Policies and local regulatory requirements
Contribution to coordinating / running risk workshops and monthly BCM Coordinator meetings
To provide timely management information on the readiness state of global business continuity plans when measured against the programme requirements
Assessing these risks and measuring WorldRemit’s exposure to them.
Creating , implementing and testing controls to ensure ongoing effectiveness to mitigate risks identified.
Ongoing monitoring of the strategic decisions and risk exposures to ensure they are in line with the board-approved risk appetite and current policies and procedures.
Assisting in the management of critical risk projects which have a strategic impact across the business
Review risk issues for systemic problems and seek resolution.
Escalate issues in line with the Risk Management Program and help manage the resolution of risk issues.
Develop and compete reporting materials such as risk register, metrics for committee.
Liaise closely with leaders of business units across the organisation to ensure robust communication and reporting of risk related practices.
Assist in the coordination and support of risk related reviews, audits and examinations.
Performing routine daily tasks—reviewing reports, preparing necessary correspondence, and participating in department projects.
To support the Crisis Management programme by assisting the Risk Team and the WorldRemit Crisis Management Team;
Aiding in training associates on the Company’s risk policies and procedures.
Carrying out any other tasks as may be requested from time to time.
Skills requirements
Key requirements:
- Ability to work closely with and manage key stakeholders across a fast-paced business
- A strong sense of intuition and a 'can-do attitude'
- The ability to listen in detail and understand and interpret the requirements of internal stakeholders
- Holds a risk qualification or is willing to pursue one
Strong risk management understanding and min 2-3 years previous experience in risk management or related discipline, such as actuarial, compliance or internal audit or risk assurance function.
BA/BS or compensating experience in compliance.
Team player adaptable to fast-paced and changing environment.
Ability to manage tight processes with accuracy and attention to detail.
Highly disciplined person, self-motivated, and delivery focused.
Excellent communication skills both verbal and written.
Strong organizational skills.
Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio).
Feb 07, 2019
Full time
Responsibilities
WorldRemit's Risk function are an expanding team due to the growth and future development of the business. The team are responsible for the development and implementation of the Enterprise Risk Management framework. The Group Risk Analyst will gain exposure to all areas of the business working closely with business and team leaders to ensure their risks are being identified and mitigated in line with company risk appetite and reporting on findings to senior management.
The role is hands on with maintaining and developing the risk management system; interpreting and analyzing risk data; helping embed the group risk framework and assists in promoting a risk aware culture within the business.
The Group Risk Analyst reports to and keeps the Group Risk Director informed of existing and developing risks as well as those on the horizon.. Establishing controls and/or a trigger system for breaches of WorldRemit’s risk appetite or limits.
Contribution to coordinating / running risk workshops, 1-1 sessions, trend analysis etc
Horizon scanning for future potential regional risks which may have an impact on the company
Keeping up to date with local regulatory changes within the remittances industry and key jurisdictions
Reporting on risk items including but not limited to proposing appropriate risk-mitigating actions.
Distributing risk management related communication, education, and awareness initiatives.
Identifying material individual, aggregate, and emerging risks.
To assist the BCM Team in developing and delivering viable business continuity programme that ensures adequate contingency plans are put into effect during the periods of disruption.
To push global standardization of the BCM and Risk programmes.
Support the Head of BCM in managing the development and maintenance of global business continuity plans in line with WorldRemit BCM Policies and local regulatory requirements
Contribution to coordinating / running risk workshops and monthly BCM Coordinator meetings
To provide timely management information on the readiness state of global business continuity plans when measured against the programme requirements
Assessing these risks and measuring WorldRemit’s exposure to them.
Creating , implementing and testing controls to ensure ongoing effectiveness to mitigate risks identified.
Ongoing monitoring of the strategic decisions and risk exposures to ensure they are in line with the board-approved risk appetite and current policies and procedures.
Assisting in the management of critical risk projects which have a strategic impact across the business
Review risk issues for systemic problems and seek resolution.
Escalate issues in line with the Risk Management Program and help manage the resolution of risk issues.
Develop and compete reporting materials such as risk register, metrics for committee.
Liaise closely with leaders of business units across the organisation to ensure robust communication and reporting of risk related practices.
Assist in the coordination and support of risk related reviews, audits and examinations.
Performing routine daily tasks—reviewing reports, preparing necessary correspondence, and participating in department projects.
To support the Crisis Management programme by assisting the Risk Team and the WorldRemit Crisis Management Team;
Aiding in training associates on the Company’s risk policies and procedures.
Carrying out any other tasks as may be requested from time to time.
Skills requirements
Key requirements:
- Ability to work closely with and manage key stakeholders across a fast-paced business
- A strong sense of intuition and a 'can-do attitude'
- The ability to listen in detail and understand and interpret the requirements of internal stakeholders
- Holds a risk qualification or is willing to pursue one
Strong risk management understanding and min 2-3 years previous experience in risk management or related discipline, such as actuarial, compliance or internal audit or risk assurance function.
BA/BS or compensating experience in compliance.
Team player adaptable to fast-paced and changing environment.
Ability to manage tight processes with accuracy and attention to detail.
Highly disciplined person, self-motivated, and delivery focused.
Excellent communication skills both verbal and written.
Strong organizational skills.
Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio).
CompareAsiaGroup is the largest personal finance platform in Asia, helping more than 30mm people per year across 7 countries. We are a team of 200+ people in 7 countries aligned around a shared vision to empower people to build healthier financial lives. We do this by connecting people to the best content and products for their needs, life stage and risk profile. We are currently focused on the banking and insurance sectors in Hong Kong, Taiwan, Singapore, Indonesia, the Philippines, Malaysia and Thailand. Headquartered in Hong Kong, we have established relationships with more than 100 leading financial institutions across Asia.
MoneyHero.com.hk & Creditgo.com.hk helps consumers compare rates and services of banking and insurance products. It is part of CompareAsiaGroup, Asia’s leading financial empowerment platform for banking and insurance products. In 2017, CompareAsiaGroup and MoneyHero.com.hk closed a $50mm Series B, bringing our total fundraising to more than $90mm from investors including Goldman Sachs, the IFC (World Bank), Ace & Company, Alibaba & Jardine Pacific.
Join one of the fastest growing, fintech businesses – CreditGo – Asia’s first free credit scoring platform that helps users understand their credit situation for free, for life and find out which financial products they are suitable for. This product is already getting attention across Hong Kong and Singapore, is rapidly growing and has exciting ambitions for the future.
Your Task:
The go-to person for insight and analytics for, credit scoring, risk modelling, eligibility models within the group
Able to coach, mentor and build a team of experts in the credit scoring, risk modelling, eligibility modelling area of the business
Able to communicate clearly and convey necessary information and be the subject matter expert across all levels within the business
Passionate about data and analytics and driving scoring initiatives across the group
Key responsibilities:
The go-to person for insight on the performance of core services for our customers, including creating presentations and delivering the results
Monitoring the performance of and maintaining the integrity of eligibility models and scoring criteria
Structuring and completing ad-hoc analysis – e.g. into marketing efficiency of campaigns, or studies into credit risk biases
Leading and or supporting data exchanges with our customers and partners
Taking ownership and responsibility for solutions
Becoming well-versed in the meaning and structure of credit bureau data
Training and mentoring employees
Perform credit and financial analysis on new and existing customers in order to profile customer segments and recommend credit scoring criteria for consideration.
Creating/preparing various reports for management.
Maintaining/updating credit scorecards as needed.
Work closely with the rest of the regional teams to understand and map out credit scoring needs.
Other ad-hoc tasks as assigned from time to time.
Skills and Requirements:
Able to perform complex mathematical calculations.
Able to recognize and attend to important details with accuracy and efficiency.
Able to communicate clearly and convey necessary information.
Able to interact effectively with all levels of management.
Possesses strong organizational and time management skills, driving tasks to completion.
Able to constructively work under stress and pressure when faced with high workloads and deadlines.
Able to maintain and promote social, ethical, and organizational standards in conducting internal and external business activities.
Able to work independently with minimum supervision.
Able to maintain confidentiality of sensitive information
Able to build solid, effective working relationships with others.
What can you expect from us?
Join a fantastic team : Work with the top management of the company, with backgrounds from leading consulting, banking and start-up companies.
Learn : Work with a team with a proven track-record of building successful internet companies.
Have fun : A challenging, fun and international environment
Grow : Great opportunities for further career advancements, either within the regional group or in one of our country teams
Feb 07, 2019
Full time
CompareAsiaGroup is the largest personal finance platform in Asia, helping more than 30mm people per year across 7 countries. We are a team of 200+ people in 7 countries aligned around a shared vision to empower people to build healthier financial lives. We do this by connecting people to the best content and products for their needs, life stage and risk profile. We are currently focused on the banking and insurance sectors in Hong Kong, Taiwan, Singapore, Indonesia, the Philippines, Malaysia and Thailand. Headquartered in Hong Kong, we have established relationships with more than 100 leading financial institutions across Asia.
MoneyHero.com.hk & Creditgo.com.hk helps consumers compare rates and services of banking and insurance products. It is part of CompareAsiaGroup, Asia’s leading financial empowerment platform for banking and insurance products. In 2017, CompareAsiaGroup and MoneyHero.com.hk closed a $50mm Series B, bringing our total fundraising to more than $90mm from investors including Goldman Sachs, the IFC (World Bank), Ace & Company, Alibaba & Jardine Pacific.
Join one of the fastest growing, fintech businesses – CreditGo – Asia’s first free credit scoring platform that helps users understand their credit situation for free, for life and find out which financial products they are suitable for. This product is already getting attention across Hong Kong and Singapore, is rapidly growing and has exciting ambitions for the future.
Your Task:
The go-to person for insight and analytics for, credit scoring, risk modelling, eligibility models within the group
Able to coach, mentor and build a team of experts in the credit scoring, risk modelling, eligibility modelling area of the business
Able to communicate clearly and convey necessary information and be the subject matter expert across all levels within the business
Passionate about data and analytics and driving scoring initiatives across the group
Key responsibilities:
The go-to person for insight on the performance of core services for our customers, including creating presentations and delivering the results
Monitoring the performance of and maintaining the integrity of eligibility models and scoring criteria
Structuring and completing ad-hoc analysis – e.g. into marketing efficiency of campaigns, or studies into credit risk biases
Leading and or supporting data exchanges with our customers and partners
Taking ownership and responsibility for solutions
Becoming well-versed in the meaning and structure of credit bureau data
Training and mentoring employees
Perform credit and financial analysis on new and existing customers in order to profile customer segments and recommend credit scoring criteria for consideration.
Creating/preparing various reports for management.
Maintaining/updating credit scorecards as needed.
Work closely with the rest of the regional teams to understand and map out credit scoring needs.
Other ad-hoc tasks as assigned from time to time.
Skills and Requirements:
Able to perform complex mathematical calculations.
Able to recognize and attend to important details with accuracy and efficiency.
Able to communicate clearly and convey necessary information.
Able to interact effectively with all levels of management.
Possesses strong organizational and time management skills, driving tasks to completion.
Able to constructively work under stress and pressure when faced with high workloads and deadlines.
Able to maintain and promote social, ethical, and organizational standards in conducting internal and external business activities.
Able to work independently with minimum supervision.
Able to maintain confidentiality of sensitive information
Able to build solid, effective working relationships with others.
What can you expect from us?
Join a fantastic team : Work with the top management of the company, with backgrounds from leading consulting, banking and start-up companies.
Learn : Work with a team with a proven track-record of building successful internet companies.
Have fun : A challenging, fun and international environment
Grow : Great opportunities for further career advancements, either within the regional group or in one of our country teams
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
Feb 07, 2019
Full time
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
Feb 07, 2019
Full time
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, andNLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
Feb 07, 2019
Full time
About the Position:
LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.
The role:
Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data.
Design scalable big data pipeline/workflows for behavioral and social algorithms.
Build strong communication channels with different stakeholders
Specific responsibilities
Review and analyze client and external data sets.
Deploy and integrate LenddoEFL's solutions in clients’ environments.
Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring.
Design, build and implement Data Manipulation environments for internal and external purposes
Rapid identification of R&D opportunities and model improvement.
Research new non-traditional sources of data to include in the LenddoEFL platform.
Preferred Qualifications:
Advanced degrees in Applied Math, Statistics, Engineering or equivalent
5+ years of job experience with statistical modeling
Strong programming skills.
Experience with statistical techniques and tools in python or R.
Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams.
Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.
Preferred Qualifications:
Proven experience in Data manipulation. Database skills in any major database language.
Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring.
Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists.
Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, andNLP.
Experience (or keen desire for experience) in a small, fast-moving, high-growth company.
Any level of experience with Spanish.
Description
As a Principal Product Manager, you will own defining, executing, and delivering a technology roadmap that expands our product offerings and delivers new experiences to our customers. You will help drive technology innovation in the form of products, features, and platforms. You will help create and drive the long-term strategy, vision, and roadmap, with a high degree of ownership over critical features and the member experience.
About the Role
In this role, you will be responsible for leading the Risk platform for all Sofi products. As Sofi continues to expand its product offerings, the Risk platform is at the core of products and this role will drive product strategy and innovation to scale and manage losses.
This role is inherently cross-functional—you will work closely with engineering, design, operations, finance, and executive teams to set technology strategy, define and prioritize features. You’ll bridge technical and business worlds engaging with matrixed teams including engineering, design, operations, legal, risk, compliance and you must drive internal stakeholder and partner engagements necessary for the on-time launch of the product.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Responsibilities
Be able to drive disruptive innovative solutions in a customer centric environment
Build a vision, strategy and own a multi-year product roadmap
Break vision into phases, prioritize and drive backlogs for launch with your dedicated engineering teams
Own BI, instrumentation and data and analysis for your products to drive deep understanding, innovation and product plans.
Be able to lead in a fast paced agile environment
Work with internal project stakeholders from marketing, sales, operations, community and executive management to translate customer needs into a product.
Be able to work closely with engineering to own and dive deep into backlogs , definition of done and technical details.
Lead extensive framework of experimentation in order to drive customer impact.
Basic Qualifications
Experience in building platform products to scale(preferably in Fintech space) Passionate and technically adept to drive innovation in Risk space
Bachelor’s degree or higher with a technical discipline, or equivalent experience
Demonstrated experience shipping commercially successful consumer products to global market segments
Superior communication skills, written and verbal. Experience presenting to C-level leadership
Experience in end to end ownership of a product and P&L
Experience managing complex product development cycles and highly technical solutions
Demonstrated experience shipping commercially successful consumer products
Superior communication skills, written and verbal. Experience presenting and influencing C-level leadership
Experience leading cross-functional teams to deliver products and projects on deadlines
Ability to work with remote teams
Preferred Qualifications
MBA with BS or higher in Computer Science
10+ years product management
Passion for fin tech
Demonstrated ability to understand and discuss technical concepts, manage tradeoffs and evaluate opportunistic new ideas with internal and external partners
Ability to think strategically and execute methodically.
Proven track record of taking ownership and successfully delivering results in a fast-paced, dynamic environment
Benefits
Inspiring company mission
Company paid lunch program, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFi for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Sep 25, 2018
Full time
Description
As a Principal Product Manager, you will own defining, executing, and delivering a technology roadmap that expands our product offerings and delivers new experiences to our customers. You will help drive technology innovation in the form of products, features, and platforms. You will help create and drive the long-term strategy, vision, and roadmap, with a high degree of ownership over critical features and the member experience.
About the Role
In this role, you will be responsible for leading the Risk platform for all Sofi products. As Sofi continues to expand its product offerings, the Risk platform is at the core of products and this role will drive product strategy and innovation to scale and manage losses.
This role is inherently cross-functional—you will work closely with engineering, design, operations, finance, and executive teams to set technology strategy, define and prioritize features. You’ll bridge technical and business worlds engaging with matrixed teams including engineering, design, operations, legal, risk, compliance and you must drive internal stakeholder and partner engagements necessary for the on-time launch of the product.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Responsibilities
Be able to drive disruptive innovative solutions in a customer centric environment
Build a vision, strategy and own a multi-year product roadmap
Break vision into phases, prioritize and drive backlogs for launch with your dedicated engineering teams
Own BI, instrumentation and data and analysis for your products to drive deep understanding, innovation and product plans.
Be able to lead in a fast paced agile environment
Work with internal project stakeholders from marketing, sales, operations, community and executive management to translate customer needs into a product.
Be able to work closely with engineering to own and dive deep into backlogs , definition of done and technical details.
Lead extensive framework of experimentation in order to drive customer impact.
Basic Qualifications
Experience in building platform products to scale(preferably in Fintech space) Passionate and technically adept to drive innovation in Risk space
Bachelor’s degree or higher with a technical discipline, or equivalent experience
Demonstrated experience shipping commercially successful consumer products to global market segments
Superior communication skills, written and verbal. Experience presenting to C-level leadership
Experience in end to end ownership of a product and P&L
Experience managing complex product development cycles and highly technical solutions
Demonstrated experience shipping commercially successful consumer products
Superior communication skills, written and verbal. Experience presenting and influencing C-level leadership
Experience leading cross-functional teams to deliver products and projects on deadlines
Ability to work with remote teams
Preferred Qualifications
MBA with BS or higher in Computer Science
10+ years product management
Passion for fin tech
Demonstrated ability to understand and discuss technical concepts, manage tradeoffs and evaluate opportunistic new ideas with internal and external partners
Ability to think strategically and execute methodically.
Proven track record of taking ownership and successfully delivering results in a fast-paced, dynamic environment
Benefits
Inspiring company mission
Company paid lunch program, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFi for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Description
Summary We are seeking a highly-talented and adaptable associate to join our Business Operations and Strategy supporting our next generation of Collections and servicing. We are looking for a creative professional with a passion for communications, technology, analysis, stakeholder engagement and the energy to effect organizational transformation. The role will encompass a variety of areas and activities, including financial analysis, subcontracts/contracts administration, proposal analysis, communications and business. Exceptional skills in fiscal management, written communications, developing and sustaining organizational performance scorecards, and technology acumen are a must. The right person will help create our collections story through active engagement with the broader team, driving transparency and operational effectiveness across the organization, in support of our overall goals. As a team member of the Business Operations and Strategy organization, you play an important strategic and operational role in the success of the organization. This role could be for you if you thrive in a fast-paced environment while solving complex problems, are able to manage multiple priorities, and deal well with ambiguity.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Essential Functions & Responsibilities
Work closely with Director, Servicing and Funding to:
Drive progress on organization-wide and/or high-level initiatives and ensure crucial deadlines are set and met.
Work closely with senior leadership team to coordinate the implementation of strategy and policy goals in accordance with leadership direction.
Set and align internal processes, standards and resources to strategic direction and to advance the purpose of the organization.
Drive organizational accountability by providing financial analytics and guidance for expenditures that align to division goals and objectives offerings.
Closely monitor and report on contract vehicles, ensuring appropriate allocation of expenditures and strategic alignment.
Drive a division brand through a cohesive communications and marketing strategy.
Liaise with senior member company representatives and other key stakeholders on behalf VP as required.
Set division up for break-through thinking and initiatives.
Advance the division as a competitive employer by shaping the work environment and attracting and retaining talent
Qualifications
Bachelor's Degree or equivalent work or military experience
At least 5 years of business analytics
MUST have vast experience building collections reporting
Risk/credit experience
Preferred Qualifications
Master’s Degree in Information Systems, Computer Science, or Engineering or Business Management
5+ years of experience with technology concepts and methodologies
Agile certification
PMP certification
AWS Certification
Benefits
Employer paid lunch program, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Sep 24, 2018
Full time
Description
Summary We are seeking a highly-talented and adaptable associate to join our Business Operations and Strategy supporting our next generation of Collections and servicing. We are looking for a creative professional with a passion for communications, technology, analysis, stakeholder engagement and the energy to effect organizational transformation. The role will encompass a variety of areas and activities, including financial analysis, subcontracts/contracts administration, proposal analysis, communications and business. Exceptional skills in fiscal management, written communications, developing and sustaining organizational performance scorecards, and technology acumen are a must. The right person will help create our collections story through active engagement with the broader team, driving transparency and operational effectiveness across the organization, in support of our overall goals. As a team member of the Business Operations and Strategy organization, you play an important strategic and operational role in the success of the organization. This role could be for you if you thrive in a fast-paced environment while solving complex problems, are able to manage multiple priorities, and deal well with ambiguity.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Essential Functions & Responsibilities
Work closely with Director, Servicing and Funding to:
Drive progress on organization-wide and/or high-level initiatives and ensure crucial deadlines are set and met.
Work closely with senior leadership team to coordinate the implementation of strategy and policy goals in accordance with leadership direction.
Set and align internal processes, standards and resources to strategic direction and to advance the purpose of the organization.
Drive organizational accountability by providing financial analytics and guidance for expenditures that align to division goals and objectives offerings.
Closely monitor and report on contract vehicles, ensuring appropriate allocation of expenditures and strategic alignment.
Drive a division brand through a cohesive communications and marketing strategy.
Liaise with senior member company representatives and other key stakeholders on behalf VP as required.
Set division up for break-through thinking and initiatives.
Advance the division as a competitive employer by shaping the work environment and attracting and retaining talent
Qualifications
Bachelor's Degree or equivalent work or military experience
At least 5 years of business analytics
MUST have vast experience building collections reporting
Risk/credit experience
Preferred Qualifications
Master’s Degree in Information Systems, Computer Science, or Engineering or Business Management
5+ years of experience with technology concepts and methodologies
Agile certification
PMP certification
AWS Certification
Benefits
Employer paid lunch program, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Description
Lead by the Chief Risk Officer, SoFi’s Risk Management group has responsibility for ensuring that the organization’s growth in lending and other Member activities aligns with the company’s risk appetite. The group directly manages the credit risk strategies and policies for all products, administers a strong Third Party Risk management program in tandem with business line partners, promotes strong compliance with regulations, creates processes for excellent operational controls, and helps SoFi deliver on a great customer experience Responsibilities Analyze portfolio performance to identify risk factors at early stage Analyze the performances and derive data driven strategies for risk and/or marketing treatment strategies Develop analytical tools ranging from customer segmentation to scorecard development Develop forecasting methods and monitor the performance of different acquisition vintages as well as the roll rate of different past due/default buckets to define portfolio performance trend Optimize targeting, offers and performance across multiple origination channels Analysis of opportunity and risk of new product offerings Perform other related duties as required and assigned Qualifications MS in a quantitative field (e.g., Applied Math, Econ, Statistics or related field preferred) Five to seven years of experience in financial modeling/use of statistical/machine learning models Strong data analysis experience within the financial services industry Excellent SQL skills: extensive experience querying large, complex data sets High proficiency with Excel including pivoting capabilities and analysis modules – VBA macros and ODBC sourcing a plus Working knowledge of basic statistics; experience with R, SAS or similar a plus Proven track record at delivering timely and accurate information in a fast-paced environment Excellent critical thinking, problem solving, mathematical skills and sound judgment Strong business acumen and ability to interface with executive management
Sep 20, 2018
Full time
Description
Lead by the Chief Risk Officer, SoFi’s Risk Management group has responsibility for ensuring that the organization’s growth in lending and other Member activities aligns with the company’s risk appetite. The group directly manages the credit risk strategies and policies for all products, administers a strong Third Party Risk management program in tandem with business line partners, promotes strong compliance with regulations, creates processes for excellent operational controls, and helps SoFi deliver on a great customer experience Responsibilities Analyze portfolio performance to identify risk factors at early stage Analyze the performances and derive data driven strategies for risk and/or marketing treatment strategies Develop analytical tools ranging from customer segmentation to scorecard development Develop forecasting methods and monitor the performance of different acquisition vintages as well as the roll rate of different past due/default buckets to define portfolio performance trend Optimize targeting, offers and performance across multiple origination channels Analysis of opportunity and risk of new product offerings Perform other related duties as required and assigned Qualifications MS in a quantitative field (e.g., Applied Math, Econ, Statistics or related field preferred) Five to seven years of experience in financial modeling/use of statistical/machine learning models Strong data analysis experience within the financial services industry Excellent SQL skills: extensive experience querying large, complex data sets High proficiency with Excel including pivoting capabilities and analysis modules – VBA macros and ODBC sourcing a plus Working knowledge of basic statistics; experience with R, SAS or similar a plus Proven track record at delivering timely and accurate information in a fast-paced environment Excellent critical thinking, problem solving, mathematical skills and sound judgment Strong business acumen and ability to interface with executive management
Description
About the Role
We are seeking a talented and self-motivated Investigator to join our Financial Crimes Investigation team. Our candidate will be responsible for all aspects of investigations as it relates to KYC, Fraud, Customer Due Diligence and the review of suspicious activity; advising and assisting Management in making and implementing strategic decisions and objectives; and driving business objectives.
About SoFi
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. Responsibilities and Duties
Conducts thorough investigations and inquiries on identified and suspicious accounts within the specified systems
Identify fraud trends, make recommendations for new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management
Reviews alerts/reports to detect Suspicious Activity and file required reports (SARS) as appropriate
Conduct periodic internal account/customer reviews to identify potentially suspicious activity
Reviews disputed transactions to investigate fraud claims and ensure compliance with Regulation E with respect to the timeframes that govern disputed transactions
Respond promptly and exercise exceptional communication skills in an effort to optimize each contact with customers, partners and external vendors/banks
Establish and ensure compliance with departmental standards and processes to increase production and accommodate work volumes toward enhanced customer satisfaction
Understand charge-offs involving fraudulent activity and provide resolution to prevent future cases
Investigate the fraud alerts to protect the institution from fraud related losses and improve customer experience on all accounts including debit card
Assists with creating and implementing policies and procedures across all teams
Assist Management in construction of short term and long-term plans with associated benefits of strategies that are to be developed to reduce fraud exposure
Builds and maintains thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency and mutual success.
Some travel may be required.
Fosters a culture of accountability, collaboration, speed, innovation, excellence and a fun work environment while continuously elevating the quality and caliber of our fiscal controls.
Works effectively across the organization to maximize company resources.
Qualifications
3+ years of relevant risk experience in the banking, financial services, or other related industry.
Knowledge of check, ACH, wire, debit/credit card and other payment channels operating rules
Thorough understanding of bank operations, industry trends & best practices, and federal and state banking
Outstanding time management skills and interpersonal skills, and the ability to work with all levels within the organization in a collaborative manner.
Must be able to establish peer relationships and communicate effectively with multiple company disciplines, cross-functional, and external teams.
Excellent project management, organizational and negotiation skills are required.
Proficiency in Word, Excel, Outlook and PowerPoint.
Ability to apply sound judgment, effectively solves problems, and determines fraudulent activity consistently.
Understanding of electronic crimes as they relate to card fraud and theft of credentials.
Excellent critical thinking and problem solving skills.
Detail-oriented and process-oriented approach.
Accepts responsibility, ownership, and accountability for work results.
Finds a high-volume, dynamic, and team focused environment engaging.
Ability to organize and prioritize workload.
Benefits
Subsidized lunches, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Sep 20, 2018
Full time
Description
About the Role
We are seeking a talented and self-motivated Investigator to join our Financial Crimes Investigation team. Our candidate will be responsible for all aspects of investigations as it relates to KYC, Fraud, Customer Due Diligence and the review of suspicious activity; advising and assisting Management in making and implementing strategic decisions and objectives; and driving business objectives.
About SoFi
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. Responsibilities and Duties
Conducts thorough investigations and inquiries on identified and suspicious accounts within the specified systems
Identify fraud trends, make recommendations for new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management
Reviews alerts/reports to detect Suspicious Activity and file required reports (SARS) as appropriate
Conduct periodic internal account/customer reviews to identify potentially suspicious activity
Reviews disputed transactions to investigate fraud claims and ensure compliance with Regulation E with respect to the timeframes that govern disputed transactions
Respond promptly and exercise exceptional communication skills in an effort to optimize each contact with customers, partners and external vendors/banks
Establish and ensure compliance with departmental standards and processes to increase production and accommodate work volumes toward enhanced customer satisfaction
Understand charge-offs involving fraudulent activity and provide resolution to prevent future cases
Investigate the fraud alerts to protect the institution from fraud related losses and improve customer experience on all accounts including debit card
Assists with creating and implementing policies and procedures across all teams
Assist Management in construction of short term and long-term plans with associated benefits of strategies that are to be developed to reduce fraud exposure
Builds and maintains thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency and mutual success.
Some travel may be required.
Fosters a culture of accountability, collaboration, speed, innovation, excellence and a fun work environment while continuously elevating the quality and caliber of our fiscal controls.
Works effectively across the organization to maximize company resources.
Qualifications
3+ years of relevant risk experience in the banking, financial services, or other related industry.
Knowledge of check, ACH, wire, debit/credit card and other payment channels operating rules
Thorough understanding of bank operations, industry trends & best practices, and federal and state banking
Outstanding time management skills and interpersonal skills, and the ability to work with all levels within the organization in a collaborative manner.
Must be able to establish peer relationships and communicate effectively with multiple company disciplines, cross-functional, and external teams.
Excellent project management, organizational and negotiation skills are required.
Proficiency in Word, Excel, Outlook and PowerPoint.
Ability to apply sound judgment, effectively solves problems, and determines fraudulent activity consistently.
Understanding of electronic crimes as they relate to card fraud and theft of credentials.
Excellent critical thinking and problem solving skills.
Detail-oriented and process-oriented approach.
Accepts responsibility, ownership, and accountability for work results.
Finds a high-volume, dynamic, and team focused environment engaging.
Ability to organize and prioritize workload.
Benefits
Subsidized lunches, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Description
SoFi is seeking an experienced leader to assist in all aspects of our governance, risk and compliance program. This role will report to the Director of Information Security and work with cross-functional teams and external parties to support compliance, risk management and business development activities.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Responsibilities
Manage and own major GRC-focused initiatives from beginning to end with minimal supervision.
Assess and track compliance with regulatory and legal requirements relevant to the SoFi business such as GLBA, FINRA, NYDFS, Colorado Security Act and contractual commitments
Perform vendor security and privacy due diligence
Coordinate 3rd party audits of SoFi, SOC 2 audits and PCI
Drive privacy and information security training and awareness
Manage privacy incident response and coordinate remediation activities
Maintain information security and privacy policies
Works as an advisor to the business areas to plan for vendor solutions for managing the information security risk.
Leads the escalation and resolution of risk and compliance issues with appropriate leadership including business, security, privacy, legal, compliance and IT teams
Metrics driven, understands, develops and delivers meaningful dashboards and reports to a wide audience demonstrating our current program state and adherence to frameworks and standards.
Works closely with GRC Director towards overall program rollout and providing risk-based operational metrics/management support.
Minimum qualifications
BS degree in Computer Information Systems or related field
5+ years of experience in compliance, privacy and/or security risk management
Strong leadership skills
Experience with business continuity planning and testing, as well as third-party security management
Familiarity with U.S privacy regulations, SSAE18 SOC1/SOC2 and standards such as NIST and PCI
Familiarity with GRC tools
Self-starter with strong interpersonal and communication skills
Demonstrate ability to assimilate new knowledge quickly
Comfortable working in a fast-paced, dynamic environment
Preferred qualifications
MS in Management or MBA desired
Big 4, or management/IT consulting experience
Practical experience implementing GRC
Experience with vendor risk management
CISSP, CISM, CISA, CIPP or similar certifications
Experience leading security or privacy training courses
Benefits
Subsidized lunches, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Sep 20, 2018
Full time
Description
SoFi is seeking an experienced leader to assist in all aspects of our governance, risk and compliance program. This role will report to the Director of Information Security and work with cross-functional teams and external parties to support compliance, risk management and business development activities.
At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.
Responsibilities
Manage and own major GRC-focused initiatives from beginning to end with minimal supervision.
Assess and track compliance with regulatory and legal requirements relevant to the SoFi business such as GLBA, FINRA, NYDFS, Colorado Security Act and contractual commitments
Perform vendor security and privacy due diligence
Coordinate 3rd party audits of SoFi, SOC 2 audits and PCI
Drive privacy and information security training and awareness
Manage privacy incident response and coordinate remediation activities
Maintain information security and privacy policies
Works as an advisor to the business areas to plan for vendor solutions for managing the information security risk.
Leads the escalation and resolution of risk and compliance issues with appropriate leadership including business, security, privacy, legal, compliance and IT teams
Metrics driven, understands, develops and delivers meaningful dashboards and reports to a wide audience demonstrating our current program state and adherence to frameworks and standards.
Works closely with GRC Director towards overall program rollout and providing risk-based operational metrics/management support.
Minimum qualifications
BS degree in Computer Information Systems or related field
5+ years of experience in compliance, privacy and/or security risk management
Strong leadership skills
Experience with business continuity planning and testing, as well as third-party security management
Familiarity with U.S privacy regulations, SSAE18 SOC1/SOC2 and standards such as NIST and PCI
Familiarity with GRC tools
Self-starter with strong interpersonal and communication skills
Demonstrate ability to assimilate new knowledge quickly
Comfortable working in a fast-paced, dynamic environment
Preferred qualifications
MS in Management or MBA desired
Big 4, or management/IT consulting experience
Practical experience implementing GRC
Experience with vendor risk management
CISSP, CISM, CISA, CIPP or similar certifications
Experience leading security or privacy training courses
Benefits
Subsidized lunches, a fully stocked kitchen, and subsidized gym membership.
Competitive salary packages and bonuses.
A flexible vacation policy allows you to truly relax and reboot.
Comprehensive health, vision, dental, and life insurance as well as disability benefits.
100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.
401(k) and education on retirement planning.
Tuition reimbursement on approved programs, up to $5,250 a year.
Monthly contribution to help you pay off your student loans.
Pioneering advancements in blockchain technology infrastructure, Blockstream is the leading company extending Bitcoin at the protocol level to support a broad range of new asset types and financial markets. Blockstream supports values of decentralization, privacy, end-to-end security, user control, and open, permissionless innovation.
We are looking for an experienced Project Manager to help us build the premier platform for crypto-finance applications. As the first person on the project management team, you will establish efficient project management practices, ensure smooth products delivery, and coordinate key projects and initiatives to ensure the company’s success.
Your responsibilities will include collaboration with leadership, product management, and R&D organizations, and driving engineering and other teams towards successful projects development and release into production. You will also lead on-time completion of various projects and initiatives across the company.
Qualifications:
3+ years of successful experience managing complex technical projects working with globally distributed teams
Successful experience instilling discipline within a startup environment
Track record of gaining trust and support from exceptional engineering teams and across organizations
Excellent communications skills
Experience with issue tracking software like Gitlab, JIRA, etc...
Strong background in CS or related field
History of holding others accountable
Keen ability to identify risks, ability to escalate issues, and come up with solutions.
Pluses:
Knowledge of Bitcoin is a huge bonus
FinTech Background
Experience with products that have software and hardware components
Security background is a big plus (Financial or Medical industry etc.)
Ability to share impressive examples of complex projects delivery spanning various domains
Sep 20, 2018
Full time
Pioneering advancements in blockchain technology infrastructure, Blockstream is the leading company extending Bitcoin at the protocol level to support a broad range of new asset types and financial markets. Blockstream supports values of decentralization, privacy, end-to-end security, user control, and open, permissionless innovation.
We are looking for an experienced Project Manager to help us build the premier platform for crypto-finance applications. As the first person on the project management team, you will establish efficient project management practices, ensure smooth products delivery, and coordinate key projects and initiatives to ensure the company’s success.
Your responsibilities will include collaboration with leadership, product management, and R&D organizations, and driving engineering and other teams towards successful projects development and release into production. You will also lead on-time completion of various projects and initiatives across the company.
Qualifications:
3+ years of successful experience managing complex technical projects working with globally distributed teams
Successful experience instilling discipline within a startup environment
Track record of gaining trust and support from exceptional engineering teams and across organizations
Excellent communications skills
Experience with issue tracking software like Gitlab, JIRA, etc...
Strong background in CS or related field
History of holding others accountable
Keen ability to identify risks, ability to escalate issues, and come up with solutions.
Pluses:
Knowledge of Bitcoin is a huge bonus
FinTech Background
Experience with products that have software and hardware components
Security background is a big plus (Financial or Medical industry etc.)
Ability to share impressive examples of complex projects delivery spanning various domains
Robinhood is changing the way America invests. We believe our financial system should work for everyone and not just a few. We offer commission-free trading for stocks, ETFs, options, and cryptocurrencies—all in one, user-friendly platform. Since our public launch in 2015, we’ve enabled millions of people to participate in the markets, cementing us as the fastest-growing brokerage ever.
About the Role
Robinhood is hiring a Risk Associate to join its Market Operations team in Lake Mary. The Risk Associate will be responsible for monitoring the critical risks associated with running a brokerage. You will be monitoring our “Battlestation”, a set of real-time dashboards and alerts, and taking action on any anomalies.
As a Risk Associate you will:
Monitor real-time market and trading dashboards and alerts
Design and follow policies and procedures in the event of alerts or data outliers
Quickly diagnose and resolve issues independently or escalate to the appropriate parties
Identify patterns and proactively recommend ideas to improve Robinhood’s risk monitoring tools and procedures
Some things we consider critical to being a Risk Associate:
Bachelor’s degree from an accredited institution
Strong attention to detail and ability to analyze and interpret data
General understanding of brokerage operations and financial markets
Ability to learn quickly, think critically and apply logical problem-solving skills to isolate and resolve root causes of issues
Must be trustworthy, self-motivated and able to thrive in an entrepreneurial environment
A passion for Robinhood, our product and our mission to democratize access to America’s Financial System
Nice to haves:
Bachelor’s degree in Finance, Business, Economics or Computer Science
4+ years work experience with 2+ years relevant experience in brokerage operations, financial services, government financial regulatory agency, risk management, or compliance
Sep 19, 2018
Full time
Robinhood is changing the way America invests. We believe our financial system should work for everyone and not just a few. We offer commission-free trading for stocks, ETFs, options, and cryptocurrencies—all in one, user-friendly platform. Since our public launch in 2015, we’ve enabled millions of people to participate in the markets, cementing us as the fastest-growing brokerage ever.
About the Role
Robinhood is hiring a Risk Associate to join its Market Operations team in Lake Mary. The Risk Associate will be responsible for monitoring the critical risks associated with running a brokerage. You will be monitoring our “Battlestation”, a set of real-time dashboards and alerts, and taking action on any anomalies.
As a Risk Associate you will:
Monitor real-time market and trading dashboards and alerts
Design and follow policies and procedures in the event of alerts or data outliers
Quickly diagnose and resolve issues independently or escalate to the appropriate parties
Identify patterns and proactively recommend ideas to improve Robinhood’s risk monitoring tools and procedures
Some things we consider critical to being a Risk Associate:
Bachelor’s degree from an accredited institution
Strong attention to detail and ability to analyze and interpret data
General understanding of brokerage operations and financial markets
Ability to learn quickly, think critically and apply logical problem-solving skills to isolate and resolve root causes of issues
Must be trustworthy, self-motivated and able to thrive in an entrepreneurial environment
A passion for Robinhood, our product and our mission to democratize access to America’s Financial System
Nice to haves:
Bachelor’s degree in Finance, Business, Economics or Computer Science
4+ years work experience with 2+ years relevant experience in brokerage operations, financial services, government financial regulatory agency, risk management, or compliance
DESCRIPTION
About Monese
Monese revolutionises banking for expats, digital nomads and immigrants. Residency restrictions imposed by traditional high street banks are one of the single greatest barriers to accessing the banking system when they arrive in a new country. Our breakthrough technology can validate the identity of customers in real time enabling customers to open an account in a matter of minutes, using a mobile app. Monese's fully-featured banking account comes with cheap global payments and a contactless debit card.
Our fast growing team is located in London, United Kingdom and Tallinn, Estonia, and we know that what we’re building is bigger than anything on the market today. Join us!
About the role
We are looking for three proactive and eager persons to assist with our AML / fraud / SAR function for 2 months. You will support various Anti-Money Laundering (AML) processes, which might include suspicious activity investigations and reporting, global sanctions screening, enhanced due diligence or other AML processes. The person will also work closely with the MLRO on continuous improvements, occasional internal control auditing and reporting requirements.
Role Responsibilities:
Ensuring Suspicious Activity Reports, Sanctions Screening, KYC and PEP's are fully investigated in line with regulatory requirements.
Investigating and identifying fraudulent activity, compiling full reports and ensuring all confirmed findings are reported to the MLRO.
Serving as a subject matter expert on suspicious activity monitoring to other departments by providing advice and counsel to ensure they understand AML compliance and implications to their operations.
Working closely with management to ensure critical functions are fulfilled timely and accurately.
Detecting potential suspicious activity when complex manual processes are needed.
Supporting the MLRO with internal control audits on customer support and other functions within the business, basing the results in line with company policies and regulations.
Identifying and recommending training aids/materials that may aid in improved compliance and efficiency.
Assisting the MLRO with continuous improvement ideas on processes and systems.
REQUIREMENTS
Experience, traits and skills required:
Proven experience in an AML/Risk investigative type role is a must.
Experience in AML within a bank is preferable, but not required.
Strong attention to detail.
Knowledge of current AML legislation, money laundering techniques/patterns and counter-fraud preventive measures is a must.
A team player willing to help the team and educate those less aware of the risk of money laundering displaying a supportive and understanding attitude.
Willingness to learn and adapt to the current business culture both in the Risk department and beyond.
A proactive, can-do attitude. The ability to think outside the box and help improve the business, department and processes.
Telephony and customer contact experience is preferable but not a necessity.
BENEFITS
Benefits of working at Monese:
Ample opportunity to develop your career within Monese as you will be an important part of a fast-growing company
A horizontal structure where everyone has a voice and makes a direct and valued contribution to building the best product possible
International team of open-minded people in a nice office environment with plenty of perks, snacks and drinks
Many fun team events, office parties and summer ‘weekend-getaway’ to spend some quality time with your colleagues
In- and outdoors Moneser’s sports activities
Stock options and competitive salary
Sep 10, 2018
Full time
DESCRIPTION
About Monese
Monese revolutionises banking for expats, digital nomads and immigrants. Residency restrictions imposed by traditional high street banks are one of the single greatest barriers to accessing the banking system when they arrive in a new country. Our breakthrough technology can validate the identity of customers in real time enabling customers to open an account in a matter of minutes, using a mobile app. Monese's fully-featured banking account comes with cheap global payments and a contactless debit card.
Our fast growing team is located in London, United Kingdom and Tallinn, Estonia, and we know that what we’re building is bigger than anything on the market today. Join us!
About the role
We are looking for three proactive and eager persons to assist with our AML / fraud / SAR function for 2 months. You will support various Anti-Money Laundering (AML) processes, which might include suspicious activity investigations and reporting, global sanctions screening, enhanced due diligence or other AML processes. The person will also work closely with the MLRO on continuous improvements, occasional internal control auditing and reporting requirements.
Role Responsibilities:
Ensuring Suspicious Activity Reports, Sanctions Screening, KYC and PEP's are fully investigated in line with regulatory requirements.
Investigating and identifying fraudulent activity, compiling full reports and ensuring all confirmed findings are reported to the MLRO.
Serving as a subject matter expert on suspicious activity monitoring to other departments by providing advice and counsel to ensure they understand AML compliance and implications to their operations.
Working closely with management to ensure critical functions are fulfilled timely and accurately.
Detecting potential suspicious activity when complex manual processes are needed.
Supporting the MLRO with internal control audits on customer support and other functions within the business, basing the results in line with company policies and regulations.
Identifying and recommending training aids/materials that may aid in improved compliance and efficiency.
Assisting the MLRO with continuous improvement ideas on processes and systems.
REQUIREMENTS
Experience, traits and skills required:
Proven experience in an AML/Risk investigative type role is a must.
Experience in AML within a bank is preferable, but not required.
Strong attention to detail.
Knowledge of current AML legislation, money laundering techniques/patterns and counter-fraud preventive measures is a must.
A team player willing to help the team and educate those less aware of the risk of money laundering displaying a supportive and understanding attitude.
Willingness to learn and adapt to the current business culture both in the Risk department and beyond.
A proactive, can-do attitude. The ability to think outside the box and help improve the business, department and processes.
Telephony and customer contact experience is preferable but not a necessity.
BENEFITS
Benefits of working at Monese:
Ample opportunity to develop your career within Monese as you will be an important part of a fast-growing company
A horizontal structure where everyone has a voice and makes a direct and valued contribution to building the best product possible
International team of open-minded people in a nice office environment with plenty of perks, snacks and drinks
Many fun team events, office parties and summer ‘weekend-getaway’ to spend some quality time with your colleagues
In- and outdoors Moneser’s sports activities
Stock options and competitive salary
DESCRIPTION
About Monese
Monese revolutionises banking for expats, digital nomads and immigrants. Residency restrictions imposed by traditional high street banks are one of the single greatest barriers to accessing the banking system when they arrive in a new country. Our breakthrough technology can validate the identity of customers in real time enabling customers to open an account in a matter of minutes, using a mobile app. Monese's fully-featured banking account comes with cheap global payments and a contactless debit card.
Our fast growing team is located in London, United Kingdom and Tallinn, Estonia, and we know that what we’re building is bigger than anything on the market today. Join us!
About the role
We are looking for a proactive and eager person to assist with our AML function. The chosen candidate will support various Anti-Money Laundering (AML) processes, which might include suspicious activity investigations and reporting, global sanctions screening, enhanced due diligence or other AML processes. The person will also work closely with the MLRO on continuous improvements, occasional internal control auditing and reporting requirements.
Role Responsibilities:
Ensuring Suspicious Activity Reports, Sanctions Screening, KYC and PEP's are fully investigated in line with regulatory requirements.
Investigating and identifying fraudulent activity, compiling full reports and ensuring all confirmed findings are reported to the MLRO.
Serving as a subject matter expert on suspicious activity monitoring to other departments by providing advice and counsel to ensure they understand AML compliance and implications to their operations.
Working closely with management to ensure critical functions are fulfilled timely and accurately.
Detecting potential suspicious activity when complex manual processes are needed.
Supporting the MLRO with internal control audits on customer support and other functions within the business, basing the results in line with company policies and regulations.
Providing occasional informal training and guidance to less experienced AML Investigators and customer support.
Identifying and recommending training aids/materials that may aid in improved compliance and efficiency.
Assisting the MLRO with continuous improvement ideas on processes and systems.
REQUIREMENTS
Experience, traits and skills required:
At least 1 years experience in an AML/Risk investigative type role.
Experience in AML within a bank is preferable, but not required.
Strong attention to detail.
Knowledge of current AML legislation, money laundering techniques/patterns and counter-fraud preventive measures is a must.
A team player willing to help the team and educate those less aware of the risk of money laundering displaying a supportive and understanding attitude.
Willingness to learn and adapt to the current business culture both in the Risk department and beyond.
A proactive, can-do attitude. The ability to think outside the box and help improve the business, department and processes.
Telephony and customer contact experience is preferable but not a necessity.
BENEFITS
Benefits of working at Monese:
Ample opportunity to develop your career within Monese as you will be an important part of a fast-growing company
A horizontal structure where everyone has a voice and makes a direct and valued contribution to building the best product possible
International team of open-minded people in a nice office environment with plenty of perks, snacks and drinks
Many fun team events, office parties and summer ‘weekend-getaway’ to spend some quality time with your colleagues
In- and outdoors Moneser’s sports activities
Stock options and competitive salary
Sep 10, 2018
Full time
DESCRIPTION
About Monese
Monese revolutionises banking for expats, digital nomads and immigrants. Residency restrictions imposed by traditional high street banks are one of the single greatest barriers to accessing the banking system when they arrive in a new country. Our breakthrough technology can validate the identity of customers in real time enabling customers to open an account in a matter of minutes, using a mobile app. Monese's fully-featured banking account comes with cheap global payments and a contactless debit card.
Our fast growing team is located in London, United Kingdom and Tallinn, Estonia, and we know that what we’re building is bigger than anything on the market today. Join us!
About the role
We are looking for a proactive and eager person to assist with our AML function. The chosen candidate will support various Anti-Money Laundering (AML) processes, which might include suspicious activity investigations and reporting, global sanctions screening, enhanced due diligence or other AML processes. The person will also work closely with the MLRO on continuous improvements, occasional internal control auditing and reporting requirements.
Role Responsibilities:
Ensuring Suspicious Activity Reports, Sanctions Screening, KYC and PEP's are fully investigated in line with regulatory requirements.
Investigating and identifying fraudulent activity, compiling full reports and ensuring all confirmed findings are reported to the MLRO.
Serving as a subject matter expert on suspicious activity monitoring to other departments by providing advice and counsel to ensure they understand AML compliance and implications to their operations.
Working closely with management to ensure critical functions are fulfilled timely and accurately.
Detecting potential suspicious activity when complex manual processes are needed.
Supporting the MLRO with internal control audits on customer support and other functions within the business, basing the results in line with company policies and regulations.
Providing occasional informal training and guidance to less experienced AML Investigators and customer support.
Identifying and recommending training aids/materials that may aid in improved compliance and efficiency.
Assisting the MLRO with continuous improvement ideas on processes and systems.
REQUIREMENTS
Experience, traits and skills required:
At least 1 years experience in an AML/Risk investigative type role.
Experience in AML within a bank is preferable, but not required.
Strong attention to detail.
Knowledge of current AML legislation, money laundering techniques/patterns and counter-fraud preventive measures is a must.
A team player willing to help the team and educate those less aware of the risk of money laundering displaying a supportive and understanding attitude.
Willingness to learn and adapt to the current business culture both in the Risk department and beyond.
A proactive, can-do attitude. The ability to think outside the box and help improve the business, department and processes.
Telephony and customer contact experience is preferable but not a necessity.
BENEFITS
Benefits of working at Monese:
Ample opportunity to develop your career within Monese as you will be an important part of a fast-growing company
A horizontal structure where everyone has a voice and makes a direct and valued contribution to building the best product possible
International team of open-minded people in a nice office environment with plenty of perks, snacks and drinks
Many fun team events, office parties and summer ‘weekend-getaway’ to spend some quality time with your colleagues
In- and outdoors Moneser’s sports activities
Stock options and competitive salary
Plaid is fundamentally changing how Financial Service and Fintech companies work. Risk and compliance play an integral part in building a solid foundation for the company and our products. We build software that interfaces with Fintech companies, financial services providers and financial institutions. Because of our partnerships with financial institutions our risk/compliance operations efforts are extremely important and continuing to evolve rapidly. This is where you come in.
What excites you
Performing KYC validations for new customers
Conducting Enhanced due diligence on assigned customers to identify high risk accounts
Completing searches utilizing Internet sources and/or third-party vendors to identify fraud signals and capture other relevant information
Creating reports for KYC, OFAC and other due diligence findings
Analyzing trends and patterns to help categorize risk and ultimately catch bad actors
Communicating effectively with customers, peers and management when requesting for information or documentation, and addressing concerns or findings
Partnering with the sales and growth teams to conduct compliance searches for new customers
Working cross-functionally to articulate KYC and EDD processes and progress updates
Help build and automate processes
What excites us
1+ years of relevant compliance, risk, or operational experience with a specific focus on financial services
Experience in conducting KYC/EDD and/or other risk operations
Strong familiarity with a range of relevant technical concepts
Clear and polished communication skills; experience in a client-facing role is a plus
Strong analytical, prioritization and organizational skills
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Aug 02, 2018
Full time
Plaid is fundamentally changing how Financial Service and Fintech companies work. Risk and compliance play an integral part in building a solid foundation for the company and our products. We build software that interfaces with Fintech companies, financial services providers and financial institutions. Because of our partnerships with financial institutions our risk/compliance operations efforts are extremely important and continuing to evolve rapidly. This is where you come in.
What excites you
Performing KYC validations for new customers
Conducting Enhanced due diligence on assigned customers to identify high risk accounts
Completing searches utilizing Internet sources and/or third-party vendors to identify fraud signals and capture other relevant information
Creating reports for KYC, OFAC and other due diligence findings
Analyzing trends and patterns to help categorize risk and ultimately catch bad actors
Communicating effectively with customers, peers and management when requesting for information or documentation, and addressing concerns or findings
Partnering with the sales and growth teams to conduct compliance searches for new customers
Working cross-functionally to articulate KYC and EDD processes and progress updates
Help build and automate processes
What excites us
1+ years of relevant compliance, risk, or operational experience with a specific focus on financial services
Experience in conducting KYC/EDD and/or other risk operations
Strong familiarity with a range of relevant technical concepts
Clear and polished communication skills; experience in a client-facing role is a plus
Strong analytical, prioritization and organizational skills
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Kabbage is setting a new standard in big data and FinTech and we are looking for a Business Analyst to join us as we continue our amazing growth trajectory.
Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are growing rapidly. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36 th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
Your mission:
Work on the most challenging and impactful projects, including the Kabbage Platform and partner implementations, as an embedded team member in Kabbage's Engineering team.
What you'll be doing:
Lead projects independently; projects need to be led in a fashion that builds consensus while also identifying risks and removing roadblocks.
Partner with subject matter experts to discover, define, assess, and document business needs and requirements. Must be able to quickly establish credibility while working in new subject areas and with various areas of the business (marketing, risk, finance, business development, customer support, etc).
Manage the product backlog of requirements to support development activities related to the organizational roadmap.
Proactively communicate and collaborate with external and internal customers to analyze information needs and functional requirements and deliver the following artifacts as needed: user stories, business requirements, business rules, use cases, screen mock-ups, and process flows.
Act as the scrum master for the engineering team by planning and executing sprints, prioritizing backlog of work, communicating blockers, and reporting team metrics.
What you should have:
Experience in a business analyst or product management role.
Experience with large, distributed enterprise software implementations.
Experience adapting requirements for third-party integrations to user stories.
What we're looking for in you:
Operate Autonomously: Takes a project from ideation to delivery.
Calm Under Pressure/Resilience : maintains stable performance when under heavy pressure or stress; remains composed and productive under pressure/stress.
Proactivity : Proactive, self-driven, curious, loves learning.
Communication : Communicates information, ideas, and concepts clearly.
Organization and Planning : Plans, organizes, and schedules in an efficient, productive manner; focuses on key priorities; manages time well.
Flexibility/Adaptability : Cool with quickly changing priorities and conditions; copes effectively with complexity and change.
Persistence : Follows through on items without being managed. Resourceful, has grit, and a positive “can do” attitude.
Leadership : Navigates and leads the team through high-priority last minute requests and other high stress situations.
The Kabbage Advantage
At Kabbage, our people are awesome, so we built the Kabbage Advantage—our way of being awesome right back. We offer competitive benefits including unlimited PTO, equity in the company, and exceptional health coverage options. Our team members enjoy a dynamic work environment with daily catered lunches, fully stocked kitchens, and onsite fitness classes.
While our perks and benefits are generous, the people are actually what make Kabbage great. Kabbagers are curious, creative, and resilient. We are enthusiastic, productive, and problem solvers. And we don’t do it alone. At Kabbage, you will find low ego individuals who work hard to communicate effectively and work collaboratively.
Aug 01, 2018
Full time
Kabbage is setting a new standard in big data and FinTech and we are looking for a Business Analyst to join us as we continue our amazing growth trajectory.
Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are growing rapidly. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36 th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
Your mission:
Work on the most challenging and impactful projects, including the Kabbage Platform and partner implementations, as an embedded team member in Kabbage's Engineering team.
What you'll be doing:
Lead projects independently; projects need to be led in a fashion that builds consensus while also identifying risks and removing roadblocks.
Partner with subject matter experts to discover, define, assess, and document business needs and requirements. Must be able to quickly establish credibility while working in new subject areas and with various areas of the business (marketing, risk, finance, business development, customer support, etc).
Manage the product backlog of requirements to support development activities related to the organizational roadmap.
Proactively communicate and collaborate with external and internal customers to analyze information needs and functional requirements and deliver the following artifacts as needed: user stories, business requirements, business rules, use cases, screen mock-ups, and process flows.
Act as the scrum master for the engineering team by planning and executing sprints, prioritizing backlog of work, communicating blockers, and reporting team metrics.
What you should have:
Experience in a business analyst or product management role.
Experience with large, distributed enterprise software implementations.
Experience adapting requirements for third-party integrations to user stories.
What we're looking for in you:
Operate Autonomously: Takes a project from ideation to delivery.
Calm Under Pressure/Resilience : maintains stable performance when under heavy pressure or stress; remains composed and productive under pressure/stress.
Proactivity : Proactive, self-driven, curious, loves learning.
Communication : Communicates information, ideas, and concepts clearly.
Organization and Planning : Plans, organizes, and schedules in an efficient, productive manner; focuses on key priorities; manages time well.
Flexibility/Adaptability : Cool with quickly changing priorities and conditions; copes effectively with complexity and change.
Persistence : Follows through on items without being managed. Resourceful, has grit, and a positive “can do” attitude.
Leadership : Navigates and leads the team through high-priority last minute requests and other high stress situations.
The Kabbage Advantage
At Kabbage, our people are awesome, so we built the Kabbage Advantage—our way of being awesome right back. We offer competitive benefits including unlimited PTO, equity in the company, and exceptional health coverage options. Our team members enjoy a dynamic work environment with daily catered lunches, fully stocked kitchens, and onsite fitness classes.
While our perks and benefits are generous, the people are actually what make Kabbage great. Kabbagers are curious, creative, and resilient. We are enthusiastic, productive, and problem solvers. And we don’t do it alone. At Kabbage, you will find low ego individuals who work hard to communicate effectively and work collaboratively.
Kabbage is setting a new standard in big data and FinTech and we are looking for a Decision Analyst (Risk) to join us as we continue our amazing growth trajectory.Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are growing rapidly. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
Your mission:
You will have the opportunity to work on the most challenging and impactful projects in the Risk space, help drive and implement key strategic and tactical initiatives, demonstrating high standards of teamwork, collaboration and innovation .
What you'll be doing:
As a Risk Analyst you will have the opportunity to work on important initiatives from start to finish with a variety of teams. Some of your key responsibilities will be:
Drive Risk management strategies to deliver profitable growth of existing portfolio and new products in lending, payment and other related financial products .
Partner with all stakeholders to discover, define, assess, and document business needs and requirements.
Must be able to quickly establish connect and credibility while working on behalf of the Risk organization and support Risk Analytics related requests across all aspects of product life cycle.
Understand entire gamut of product offerings and help the team with support in Risk and Underwriting strategies implementation.
Proactively communicate and collaborate with external and internal customers to analyze information needs and functional requirements and deliver the project with quality and within stipulated timelines
Successfully engage in multiple project initiatives simultaneously.
What you should have:
MBA or equivalent degree from IIM/ISB
Minimum of 3 years of experience in a analytics driven environment
Exposure to statistical concepts, SQL, R, Python and analytical approaches. Hands on exposure is a plus.
Ability to think logically, critically, and constructively about complex problems, clearly communicate findings and propose solutions that address expressed needs
Outstanding oral and written communication skills, capable of addressing both technical and non-technical audiences at a variety of organizational levels
Strong skills as a change agent, a facilitator, an analyst, and problem solver
Maintain high standards of quality in all work
What we're looking for in you :
Enthusiasm : Exhibits passion and excitement over work; has a can-do attitude.
Structured thinking : Ability to hone in on the key issues of a problem/project and cleanly structure a path to a solution.
Curiosity : Desire to understand not just what to do but why we are doing it; natural inquisitiveness and willingness to challenge the status quo. Demonstrates ability to quickly and proficiently understand and absorb new information.
Persistence : Follows through on items without being managed. Resourceful, has grit, possesses "can do" attitude.
Empathy : Recognizes and respects the priorities of different individuals/teams so that when trade-offs are necessary, they are well informed and well-communicated.
Flexibility/adaptability : Cool with rapidly changing priorities and projects.
Calm under pressure : Ability to navigate and lead the team through high-priority last minute requests and other high stress situations; works well under high-pressure timelines.
Communication : Ability to communicate clearly across multiple channels of communication (verbal, email, PowerPoint).
Assertiveness : Moves quickly and takes a forceful stand without being overly abrasive.
Organization and planning : Ability to effectively prioritize and sequence efforts both for him/herself as well as for a project.
The Kabbage Advantage
At Kabbage, our people are awesome, so we built the Kabbage Advantage—our way of being awesome right back. We offer competitive benefits including unlimited PTO, equity in the company, and exceptional health coverage options. Our team members enjoy a dynamic work environment with daily catered lunches, fully stocked kitchens, and onsite fitness classes.
While our perks and benefits are generous, the people are actually what make Kabbage great. Kabbagers are curious, creative, and resilient. We are enthusiastic, productive, and problem solvers. And we don’t do it alone. At Kabbage, you will find low-ego individuals who work hard to communicate effectively and work collaboratively.
Jul 30, 2018
Full time
Kabbage is setting a new standard in big data and FinTech and we are looking for a Decision Analyst (Risk) to join us as we continue our amazing growth trajectory.Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are growing rapidly. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
Your mission:
You will have the opportunity to work on the most challenging and impactful projects in the Risk space, help drive and implement key strategic and tactical initiatives, demonstrating high standards of teamwork, collaboration and innovation .
What you'll be doing:
As a Risk Analyst you will have the opportunity to work on important initiatives from start to finish with a variety of teams. Some of your key responsibilities will be:
Drive Risk management strategies to deliver profitable growth of existing portfolio and new products in lending, payment and other related financial products .
Partner with all stakeholders to discover, define, assess, and document business needs and requirements.
Must be able to quickly establish connect and credibility while working on behalf of the Risk organization and support Risk Analytics related requests across all aspects of product life cycle.
Understand entire gamut of product offerings and help the team with support in Risk and Underwriting strategies implementation.
Proactively communicate and collaborate with external and internal customers to analyze information needs and functional requirements and deliver the project with quality and within stipulated timelines
Successfully engage in multiple project initiatives simultaneously.
What you should have:
MBA or equivalent degree from IIM/ISB
Minimum of 3 years of experience in a analytics driven environment
Exposure to statistical concepts, SQL, R, Python and analytical approaches. Hands on exposure is a plus.
Ability to think logically, critically, and constructively about complex problems, clearly communicate findings and propose solutions that address expressed needs
Outstanding oral and written communication skills, capable of addressing both technical and non-technical audiences at a variety of organizational levels
Strong skills as a change agent, a facilitator, an analyst, and problem solver
Maintain high standards of quality in all work
What we're looking for in you :
Enthusiasm : Exhibits passion and excitement over work; has a can-do attitude.
Structured thinking : Ability to hone in on the key issues of a problem/project and cleanly structure a path to a solution.
Curiosity : Desire to understand not just what to do but why we are doing it; natural inquisitiveness and willingness to challenge the status quo. Demonstrates ability to quickly and proficiently understand and absorb new information.
Persistence : Follows through on items without being managed. Resourceful, has grit, possesses "can do" attitude.
Empathy : Recognizes and respects the priorities of different individuals/teams so that when trade-offs are necessary, they are well informed and well-communicated.
Flexibility/adaptability : Cool with rapidly changing priorities and projects.
Calm under pressure : Ability to navigate and lead the team through high-priority last minute requests and other high stress situations; works well under high-pressure timelines.
Communication : Ability to communicate clearly across multiple channels of communication (verbal, email, PowerPoint).
Assertiveness : Moves quickly and takes a forceful stand without being overly abrasive.
Organization and planning : Ability to effectively prioritize and sequence efforts both for him/herself as well as for a project.
The Kabbage Advantage
At Kabbage, our people are awesome, so we built the Kabbage Advantage—our way of being awesome right back. We offer competitive benefits including unlimited PTO, equity in the company, and exceptional health coverage options. Our team members enjoy a dynamic work environment with daily catered lunches, fully stocked kitchens, and onsite fitness classes.
While our perks and benefits are generous, the people are actually what make Kabbage great. Kabbagers are curious, creative, and resilient. We are enthusiastic, productive, and problem solvers. And we don’t do it alone. At Kabbage, you will find low-ego individuals who work hard to communicate effectively and work collaboratively.
Kabbage is blazing a trail in big data & fintech and we are looking for a Data Analytics team member to join us as we continue our amazing growth trajectory.
Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are expanding. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
What you’ll be doing :
Provide credit solution to support the company’s consumer and commercial lending activities
Develop customer acquisition, marketing, credit risk management, portfolio management and other business intelligence solutions through cross functional team engagements and research
Manage large scale projects that include vendor scores and technological implementation assessments
Leverage customer data and transactional unstructured data to build risk segmentation and mitigation strategies
Complete complex analyses identifying authentication strategy and procedure gaps, manage implementation process across all credit life cycles to affect change
Work with Technology team to drive availability of relevant data, tools and infrastructure
What you should have:
8+ years' professional work experience in analytics and data science Preferably from banking or lending industry in consumer or/and commercial portfolio
Well versed in statistical methodology including parametric test, hypothesis testing and regression.
Familiarity with the dashboarding and data visualization tools and technologies.
Hands-on work experience with at least 2 of the languages among SQL, Python and R
Bonus points:
Big Data Environment tools and technologies used in Hadoop
Predictive modeling experience – risk, marketing, fraud models and scorecards development.
Knowledge of US consumer/commericial lending and credit risk management practices – credit card, personal loans, SME and mortgage lending experience
What we're looking for in you:
Must be comfortable with a rapidly-changing workspace
The successful candidate will have a demonstrable analytic, problem solving, and leadership skills
A perfectionist who tempers it with deadlines
Experience and desire for working in a fast-paced, ever-changing environment
Must have excellent communication and influencing skills, and be able to work across multiple groups with ease
A positive “can do” attitude
A constant drive to improve the experience of our users and our internal processes: "How can I make things better?"
Ability to remain focused and work in an open work place with frequent distractions
Why Kabbage?
Our people! We are very proud of our people, our products, and our fun, friendly, and passionate culture.
Equity – everyone’s an owner!
Full coverage of individual health benefits
Fully stocked kitchen & catered lunches daily
Casual work environment – just cover all of the requisite parts!
Top of the line hardware
Jul 30, 2018
Full time
Kabbage is blazing a trail in big data & fintech and we are looking for a Data Analytics team member to join us as we continue our amazing growth trajectory.
Kabbage is more than a lender for small businesses; our data and technology platform is now being used as a fully branded product by other lenders, and our products are expanding. We’ve received numerous awards & recognition, including Glassdoor’s 2017 Best Places to Work, “36th fastest growing company in the US” on the INC 500 List, Fast Company’s "Top 10 most innovative companies in finance" and Forbes' "America’s Top 100 Most Promising Companies" among others.
What you’ll be doing :
Provide credit solution to support the company’s consumer and commercial lending activities
Develop customer acquisition, marketing, credit risk management, portfolio management and other business intelligence solutions through cross functional team engagements and research
Manage large scale projects that include vendor scores and technological implementation assessments
Leverage customer data and transactional unstructured data to build risk segmentation and mitigation strategies
Complete complex analyses identifying authentication strategy and procedure gaps, manage implementation process across all credit life cycles to affect change
Work with Technology team to drive availability of relevant data, tools and infrastructure
What you should have:
8+ years' professional work experience in analytics and data science Preferably from banking or lending industry in consumer or/and commercial portfolio
Well versed in statistical methodology including parametric test, hypothesis testing and regression.
Familiarity with the dashboarding and data visualization tools and technologies.
Hands-on work experience with at least 2 of the languages among SQL, Python and R
Bonus points:
Big Data Environment tools and technologies used in Hadoop
Predictive modeling experience – risk, marketing, fraud models and scorecards development.
Knowledge of US consumer/commericial lending and credit risk management practices – credit card, personal loans, SME and mortgage lending experience
What we're looking for in you:
Must be comfortable with a rapidly-changing workspace
The successful candidate will have a demonstrable analytic, problem solving, and leadership skills
A perfectionist who tempers it with deadlines
Experience and desire for working in a fast-paced, ever-changing environment
Must have excellent communication and influencing skills, and be able to work across multiple groups with ease
A positive “can do” attitude
A constant drive to improve the experience of our users and our internal processes: "How can I make things better?"
Ability to remain focused and work in an open work place with frequent distractions
Why Kabbage?
Our people! We are very proud of our people, our products, and our fun, friendly, and passionate culture.
Equity – everyone’s an owner!
Full coverage of individual health benefits
Fully stocked kitchen & catered lunches daily
Casual work environment – just cover all of the requisite parts!
Top of the line hardware
About Earnin:
Our financial system is fundamentally unfair for people who live paycheck to paycheck. People shouldn’t have to wait weeks to get the pay they’ve already earned. This wait forces them to spend more than $100 billion a year on short-term credit products, late fees and overdraft fees.
Earnin helps people overcome this unfairness by giving them real-time access to their money as soon as they have worked -- without fees or interest.
Our team is bound together by a desire to level the financial playing field. Our investors, Andreessen Horowitz, Ribbit Capital, Felicis Ventures, Matrix Partners and March Capital believe we will change the world.
You can help make a difference. Join us.
About the role:
As Head of Risk at Earnin, you will be a key leader of the company overseeing the Risk and Analytics team function. You will be responsible for architecting and executing Earnin’s assessment of reducing risk loss while maintaining and/or improving user experience and growth rates, using a mix of alternative and traditional data and employing the latest statistical methods. You will also manage and cover all aspects of risk, including assessing current customer financial transactional history, established partnerships with data providers, implement underwriting models, monitoring and preventing fraud and working with Product, Data Science, and Engineering on expansion and compliance.
Responsibilities:
Lead and manage the Risk and Analytics function for assessing process improvement.
Design a comprehensive risk strategy incorporating risk decisioning, data science, business analytics, and product management.
Research, design, and implement novel approaches to helping our customers manage their money and better and to assessing risk behavior using a blend of traditional and alternative data.
Create automated anomaly detection systems and track their performance.
Perform ad-hoc analysis and prevent results in a clear manner.
Minimum Qualifications:
Bachelor’s degree or equivalent practical experience.
Prior risk management experience developing multi-year strategy, business plans and roadmaps, building executive relationships and influencing cross-functional stakeholders.
5+ years of management experience with a small team of direct reports.
5+ years of professional experience with machine learning algorithms, data pipelines, and automated systems.
Experience with data science toolkits, such as Python, SQL, Spark. Excellence in at least two of these is high desirable.
Experience with customers and data in emerging markets or with novel data sets is a strong plus.
Extensive knowledge and skills in risk assessment analysis, identifying risk, and signs of changing risk levels.
Preferred Qualifications:
Flexible and creative leader capable of managing several priorities and complex projects simultaneously. . Willing to be hands on in the development of the team as well as implementation on new channels.
Ability to explain and articulate technical concepts using both technical and non-technical language.
Self-starter with a team-oriented work style and ability to inspire trust by demonstrating sound judgement and integrity; excellent planning, analytical and interpersonal skills.
Jul 27, 2018
Full time
About Earnin:
Our financial system is fundamentally unfair for people who live paycheck to paycheck. People shouldn’t have to wait weeks to get the pay they’ve already earned. This wait forces them to spend more than $100 billion a year on short-term credit products, late fees and overdraft fees.
Earnin helps people overcome this unfairness by giving them real-time access to their money as soon as they have worked -- without fees or interest.
Our team is bound together by a desire to level the financial playing field. Our investors, Andreessen Horowitz, Ribbit Capital, Felicis Ventures, Matrix Partners and March Capital believe we will change the world.
You can help make a difference. Join us.
About the role:
As Head of Risk at Earnin, you will be a key leader of the company overseeing the Risk and Analytics team function. You will be responsible for architecting and executing Earnin’s assessment of reducing risk loss while maintaining and/or improving user experience and growth rates, using a mix of alternative and traditional data and employing the latest statistical methods. You will also manage and cover all aspects of risk, including assessing current customer financial transactional history, established partnerships with data providers, implement underwriting models, monitoring and preventing fraud and working with Product, Data Science, and Engineering on expansion and compliance.
Responsibilities:
Lead and manage the Risk and Analytics function for assessing process improvement.
Design a comprehensive risk strategy incorporating risk decisioning, data science, business analytics, and product management.
Research, design, and implement novel approaches to helping our customers manage their money and better and to assessing risk behavior using a blend of traditional and alternative data.
Create automated anomaly detection systems and track their performance.
Perform ad-hoc analysis and prevent results in a clear manner.
Minimum Qualifications:
Bachelor’s degree or equivalent practical experience.
Prior risk management experience developing multi-year strategy, business plans and roadmaps, building executive relationships and influencing cross-functional stakeholders.
5+ years of management experience with a small team of direct reports.
5+ years of professional experience with machine learning algorithms, data pipelines, and automated systems.
Experience with data science toolkits, such as Python, SQL, Spark. Excellence in at least two of these is high desirable.
Experience with customers and data in emerging markets or with novel data sets is a strong plus.
Extensive knowledge and skills in risk assessment analysis, identifying risk, and signs of changing risk levels.
Preferred Qualifications:
Flexible and creative leader capable of managing several priorities and complex projects simultaneously. . Willing to be hands on in the development of the team as well as implementation on new channels.
Ability to explain and articulate technical concepts using both technical and non-technical language.
Self-starter with a team-oriented work style and ability to inspire trust by demonstrating sound judgement and integrity; excellent planning, analytical and interpersonal skills.
