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# Senior Data Scientist - Credit Risk Modeler

- **Company:** World Omni Financial Corp.
- **Location:** Deerfield Beach, FL, United States (Remote available)
- **Experience:** Expert
- **Contract:** Permanent contract
- **Skills:** Data Analysis, Big Data, Computer Programming, Data Transformation, Data Mining, R (Programming Language), Python (Programming Language), Backtesting, SAS (Software)
- **Published:** September 10, 2026
- **Apply:** https://arc.dev/remote-jobs/j/redirect/pj29nnza1u

## About the Role

This individual will need to have a solid statistical, mathematical and programming skills with experience in credit risk modeling. This role requires cross-functional collaboration with partner teams such as Finance and Accounting to ensure accurate estimation of credit losses., * A master's or Ph.D. degree in statistics, data science, operations research, mathematics, and/or other quantitative analysis is required

 * 5+ years of financial, credit risk, and analytics resource management; indirect automotive lending experience and/or consumer lending preferred.
 * Minimum of 5 years of statistical modeling and/or quantitative analysis experience
 * Experience in using Python, SAS, R, or any comparable statistical or data extraction software is preferred.
 * Experience managing advanced modeling projects and collaborating well with other team members.
 * Well-developed interpersonal and communication skills (verbal and written)
 * Ability to diplomatically communicate findings across departments and to upper management.
 * Ability to successfully operate with multiple priorities and changing directives. Self-motivated with the ability to anticipate department needs, discern work priorities, and meet deadlines.
 * Forward thinker who actively seeks opportunities and proposes solutions.
 * Must be a highly detailed process-driven individual who demonstrates success at building trust and influence while driving for results with and through people.

## Description

* Lead the development and implementation of account-level loss forecasting models- Probability of Default, Exposure at Default, Loss Given Default, Prepay curves or models, and other forward-looking credit risk models.
 * Develop and maintain documentation, code, and implementation documents in compliance with best practices and standards.
 * Perform back testing and benchmarking exercises to ensure model accuracy and robustness.
 * Conduct assessments for overlays/adjustments and maintain accurate documentation in accordance with best practices and standards.
 * Analyze large datasets in a panel framework with the ability to perform sampling, exploratory analysis, outlier analysis, standardization, data transformation, and segmentation analysis.
 * Conduct stress testing, scenario analysis and sensitivity testing.
 * Proficiently communicate complex technical concepts to stakeholders.
 * Work on end-to-end modeling processes, including data procurement, model estimation, implementation and deployment, and monitoring and testing.
 * Provide insights from the models and modeling exercises to support business risk management and strategies.
 * Track the portfolio in detail. Analyze and report on the findings. Provide forecasts. Provide detailed explanatory analysis and make recommendations to senior management; Proactively identifying risks and opportunities based on current trends and future outlooks.
 * Collaborate with cross-functional teams, including accounting, finance, risk, and other company stakeholders.