Data Scientist, Credit Risk Analytics

Build and deploy machine learning models for credit and fraud risk, using large-scale financial data to improve lending decisions and business performance. Monitor production models, validate algorithms and features, conduct risk analyses, follow regulatory and responsible AI practices, and collaborate with engineers and cross-functional stakeholders. Develop productivity tools, document models, and communicate technical findings to senior management., * Build industry-leading machine learning models for managing credit and fraud risks

• Leverage complex data sources (e.g., credit bureau reports, customer-supplied information) at scale to develop credit and fraud strategies to improve the credit performance and optimize risk decisions.
• Collaborate with engineers to deploy your models into a production environment
• Propose and execute solutions to various problems within business constraints
• Use responsible AI technique following regulatory requirements and lending best practices
• Help the team with developing tools and workflow solutions to increase data science productivity
• Actively monitor the credit risk models in production
• Extract the most value out of data to significantly impact our key business metrics
• Assess the potential usefulness and validity of machine learning algorithms and features through various data sources
• Conduct ad-hoc analysis related to risk management, investor services, operations and corporate development, Remote or Hybrid United States Mid level Mid level Automotive * Big Data * Information Technology * Robotics * Software * Transportation * Manufacturing Leads aftersales performance across an assigned dealership district by driving revenue, customer retention, customer experience, and KPI achievement. Advises dealer leadership, executes GM customer care and aftersales initiatives, analyzes operational and performance data, develops business plans, improves service lane traffic, and resolves warranty and customer concerns. The role requires frequent territory travel, strong automotive service and parts knowledge, Excel proficiency, and the ability to legally operate a motor vehicle. Top Skills: Excel RapidScale, Manage a portfolio of B2B technology customers, guiding onboarding, adoption, value realization, retention, renewals, and growth. Develop success plans, monitor customer health, conduct business reviews, coordinate cross-functional teams, resolve escalations, and identify risks and expansion opportunities. Maintain account documentation, support continuous improvement, and build trusted customer relationships across managed services, cloud, SaaS, cybersecurity, or hybrid infrastructure environments., Manage a portfolio of B2B technology and managed-services customers, guiding onboarding, adoption, engagement, retention, renewals, and value realization. Develop success plans, monitor customer health, conduct business reviews, coordinate cross-functional teams, resolve escalations, identify growth opportunities, and improve customer success processes. The role requires strong relationship management, organization, communication, and familiarity with cloud technologies and customer success metrics. Top Skills: AWSCRMCustomer Success PlatformsGCPAzureVMware

What you need to know about the Colorado Tech Scene

With a business-friendly climate and research universities like CU Boulder and Colorado State, Colorado has made a name for itself as a startup ecosystem. The state boasts a skilled workforce and high quality of life thanks to its affordable housing, vibrant cultural scene and unparalleled opportunities for outdoor recreation. Colorado is also home to the National Renewable Energy Laboratory, helping cement its status as a hub for renewable energy innovation.

Key Facts About Colorado Tech

• Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
• Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
• Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
• Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
• Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
• Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute

• 3+ years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques (educational experience taken into consideration). Consumer lending experience in unsecured personal loan or credit card is a plus
• Advanced degree (M.S./PhD) preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field
• Sr. level: M.S. with 6+ years of experience or PhD with 3+ years of experience
• Expert knowledge in one of the statistical programming languages such as Python, and database languages such as SQL
• Solid understanding of coding best practices and model documentation
• Strong communication skills - ability to clearly and succinctly communicate technical subject matter to other team members and senior management
• Strong interpersonal skills - collaborate with people across functions and develop strong relationships
• Ability to work unsupervised in fast-paced environment and prioritize among parallel projects
• Ability to think within regulatory guidelines with a mindset toward reproducible research
• Self-motivated, results-oriented, enthusiastic, and a creative thinker, * A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported

• Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security
• Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage
• Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all! Our Values

• Diversity expands opportunities
• Collaboration creates better solutions
• Curiosity fuels our innovation
• Integrity defines all our relationships
• Excellence leads to longevity
• Simplicity guides our user experience
• Accountability at all levels drives results

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