Data Scientist, Credit Risk

Open Lending provides automated lending services to financial institutions, leveraging the power of Machine Learning and predictive analytics to deliver risk-based pricing – all backed by the security of our insurance carrier partners.

Before taking the company public in 2020, Open Lending ranked among Austin’s fastest-growing, privately held companies. Starting in 2013, the company placed for seven consecutive years on the Austin Business Journal’s Fast 50 list. Additionally, Open Lending has been named as a top workplace by both the Austin Business Journal and the Austin American Statesmen.

The Opportunity

We are seeking an innovative Data Scientist to join our growing Risk Management team. The Junior Data Scientist will be responsible for curating modeling data and developing and maintaining models used for the Lenders Protection® program. The ideal candidate will have strong analytical and communication skills, with 1-3 years of analytics or data engineering experience.

Three Reasons Why to Apply

Constantly innovate: Dive into a setting where machine learning, predictive analytics, and creativity are embraced.

Opportunity for growth: Sharpen your technical skills while work directly with executive leadership within the organization and with our partners.

Company culture: We have a tight knit organization with a no blame attitude focused on supporting the success of the company and its people.

What You’ll Do:

• Analyze and curate data for a large loan/insurance/fintech portfolio
• Assist with building, implementing and maintaining machine learning models, credit risk scorecards, and other predictive models
• Extract and organize data from numerous structured and non-structured sources
• Identify patterns in portfolio/underwriting data that help influence credit policy, pricing and other underwriting / risk management practices
• Extract meaningful signals from large and varied datasets, including credit report data

 What You’ll Bring:

• Bachelor’s Degree in Statistics, MIS, Computer Science, Economics, Mathematics, Finance or other quantitative/technical field required
• 1+ years experience with data wrangling in SQL, R or Python
• Ability to navigate a data warehouse and work with unstructured data
• Strong problem solving and analytical skills
• Extensive coding experience a bonus
• Data modeling/organization knowledge a bonus
• Strong organizational skills
• Passion for analytics and innovation
• Currently live in the Dallas area and able to work in our Las Colinas office 2-3 times per week

Benefits and Perks:

• Medical, dental, life and short-term and long-term disability insurance (company pays 100% of the premium for employee and 100% of the premiums for family plans after 2 years of coverage)
• Total annual cash compensation includes base salary and bonus, plus participation in the incentive plan for non-commissioned employees
• Unlimited PTO
• 401k plan with match
• Eligible for long-term equity compensation
• Free onsite covered parking (Austin office)
• Paid parental leave for new parents
• Onsite gym (Austin Office)
• Free snack options (Austin Office)