Data Scientist

2 weeks ago

noida, India Essential Lending Full time

Title: Data Scientist


Company Description:

Essential Lending is a fast growing, analytics driven, financial services company that has two primary businesses 1) short term personal loans (Wise Loan) and 2) Portfolio servicing - analytical models, loan origination, and customer service. (The Analytics Solutions). 

 

Headquartered in Fort Worth, Texas, the company also has a satellite call center team in the Philippines and 40+ total team members including staff in Columbia, Brazil, Dominican Republic and India. 

 

Company Culture:

At Essential Lending, our organizational culture is the cornerstone of our success. We embody our Core Values to the fullest:

 

  • Be a Transparent Advocate: We advocate for what's best for each other and our customers. We listen with curiosity, speak with candor, and act with compassion. When you feel good about working here, you're doing it right.
  • Make Gratitude an Attitude: We embrace gratitude by being humble, attentive, clear, and empathetic, and we focus our conversations on positive outcomes.
  • Look Beyond; Follow Through: We're unwavering in our commitment, deeply passionate about our work, and constantly seek opportunities for growth and learning. We take ownership, stay self-motivated, and consistently follow through.

 

At Essential Lending, our mission is not just business; it's about making our customers' financial lives better.

 

Position Overview:

The Data Scientist will perform highly quantitative, data-driven analysis and make recommendations regarding how we should operate our business more effectively. While technical proficiency such as manipulating data with SQL and understanding predictive modeling techniques like logistic regression are necessary, the ideal candidate will have an aptitude for problem solving and business acumen.  

 

Key Responsibilities:

As a Data Scientist at Essential Lending, you will engage in a variety of tasks aimed at optimizing our operations, below are a few examples:

 

  • Credit Underwriting Model Development: Develop and refine credit underwriting models, assess their impact on our business, and apply them to existing loan portfolios. Evaluate payment performance by score and recommend score thresholds to maximize profitability.
  • Pricing Optimization: Create linear programming optimization models to set pricing for potential loan applicants (leads). Develop an optimal pricing strategy that maximizes overall profit by considering applicant likelihood of loan approval, loan amounts, expected payment performance, and total loan volume.
  • A/B Testing: Design and execute A/B tests to compare data vendors. Collaborate with our technology team to collect and analyze data, conduct a cost-benefit analysis, and recommending the most suitable data product for our needs.

 

Position Requirements:

We are looking for candidates with a diverse set of skills and experiences, from junior to mid-career levels, who demonstrate:

 

  • Educational Qualification: A Bachelor's degree in Data Science, Statistics, or a related field is required.
  • Professional Experience: A minimum of 4 years of hands-on experience as a data scientist is essential.
  • Analytical Prowess: A natural talent for solving intricate business challenges through data analysis.
  • Effective Communication: Exceptional communication skills, with a strong command of the English language, enabling clear and efficient collaboration with cross-functional teams.
  • Statistical Expertise: Profound knowledge of statistical methods and the ability to employ predictive modeling techniques, including linear and logistic regression.
  • SQL Proficiency: Proficiency in T-SQL is a must. The candidate should be capable of swiftly developing SQL queries to extract and manipulate data from various sources.
  • Excel Mastery: Familiarity with Microsoft Excel is expected, with a willingness to acquire expertise in advanced Excel features like pivot tables and calculated fields.
  • Programming Skills: Proficiency in Python is a prerequisite for this role, as the candidate will be responsible for developing and implementing machine learning algorithms and models.
  • Data Analysis: Competence in collecting, cleaning, and preprocessing data from diverse sources to construct datasets for analysis.
  • Machine Learning: Experience in developing and implementing machine learning algorithms and models using Python and AWS API calls.
  • Feature Engineering: Proficiency in identifying and engineering relevant features for machine learning models.
  • Model Evaluation: Skill in evaluating model performance, making improvements, and iteratively refining model development.


Additional Knowledge (Plus Factors):

  • Knowledge of direct mail marketing is considered a valuable asset.
  • Familiarity with line of credit products is advantageous.
  • Knowledge of SEO techniques is a beneficial addition to the skill set.
  • Experience with lead generation is a welcomed advantage.

 

If you are a motivated individual with a passion for leveraging data to drive business success and possess some of the skills and attributes outlined above, we encourage you to apply. This position offers a unique opportunity for both junior and mid-career professionals to contribute to our mission of empowering consumers with financial security and stability. Join us in reshaping the future of short-term lending

 

  • Data Scientist

    3 days ago

    Greater Noida, Uttar Pradesh, India timesjobs Full time

    SALARY: 10 to 12 LakhsLOCATION:NoidaVACANCIES: 1QUALIFICATION:Any GraduateMALE/FEMALE:MaleEXPERIENCE: 4 to 6 yearsJOB DETAILSProficiency in databases such as MongoDB. Experience in working with data vendor APIs such asBloomberg, ThomsonReuters, etcKnowledge of Cloud Computing platforms such as AWS, Hadoop, etcAble to think independently and creativelyAble to...

  • Data Scientist

    4 weeks ago

    Noida, India Appnox Technologies Pvt. Ltd. Full time

    Data Scientist (NLP and Large Language Models)Company **Overview**: We are a cutting-edge technology company at the forefront of innovation in (NLP) and large language models. We are making an automation platform for llms.Job **Summary**: As a Data Scientist specializing in NLP and large language models, and be solving usecases of the...

  • Data Scientist

    1 week ago

    Noida, India Ericsson Full time

    Description About this opportunity Ericsson is looking for  Data Scientist  who can Perform Data science leadership, Analyse and recommend design considerations for scalability, performance, streaming, and algorithmic complexity of the solution components and decide approach for Data science and Convert data into actionable insights. What...

  • Data Scientist

    1 month ago

    Noida, India Info Edge Full time

    **About Info Edge** InfoEdge’s mission is to create world-class platforms that transform lives by continuously innovating. Our products and services are built keeping our customers in mind. We always delight our customers by delivering superior value through enhanced offerings on the internet and other platforms. Through our continuous investment across...

  • Data Scientist

    1 month ago

    Noida, India Info Edge Full time

    **About Info Edge**: InfoEdge’s mission is to create world-class platforms that transform lives by continuously innovating. Our products and services are built keeping our customers in mind. We always delight our customers by delivering superior value through enhanced offerings on the internet and other platforms. Through our continuous investment across...

  • Data Scientist

    1 month ago

    Noida, India Hubwork Full time

    Hubwork is looking for Data ScientistThe Role You will be responsible for : Creating predictive and prescriptive models that could have a positive impact on the business.Driving all data analytics activities ranging from conceptualisation, visualisation to operationalisation.Performing statistical analysis on historical data to validate models.Working...

  • Data Scientist

    1 month ago

    noida, India Snaphunt Full time

    The Offer Excellent career development opportunities Work within a company with a solid track record of success Work alongside & learn from best in class talent The Job You will be responsible for : Creating predictive and prescriptive models that could have a positive impact on the business. Driving all data analytics activities ranging from...

  • Data Scientist

    1 month ago

    noida, India Hubwork Full time

    Hubwork is looking for Data Scientist The Role You will be responsible for : Creating predictive and prescriptive models that could have a positive impact on the business. Driving all data analytics activities ranging from conceptualisation, visualisation to operationalisation. Performing statistical analysis on historical data to validate models....

  • Data Scientist

    1 month ago

    Noida, India Snaphunt Full time

    The OfferExcellent career development opportunitiesWork within a company with a solid track record of successWork alongside & learn from best in class talentThe Job You will be responsible for : Creating predictive and prescriptive models that could have a positive impact on the business.Driving all data analytics activities ranging from conceptualisation,...

  • Data Scientist

    1 month ago

    Noida, India Getinz Full time

    We are hiring behalf of our client into leading commerce market platform company, based out in Noida. Software developersfrom product/saas/startup companies, **Designation: Data Scientist** **Experience: 3 Years** **Location: Noida** **Education: B.Tech or MCA** **Overview**: This is a full-time hybrid role for a Data Scientist located in Noida, with...

  • Data Scientist

    7 days ago

    noida, India SAM Manpower and Career Services LLP Full time

    Role: DataScientist Experience: 57Years Location: Noida Budget:18 LPA Notice: Immediate joinersonly JobDescription As a Data Scientist you will beresponsible for utilizing your analytical and technical skills toextract valuable insights from complex datasets contributing todatadriven decisionmaking and enhancing our business strategies.Your role will...

  • Data Scientist

    1 month ago

    noida, India Getinz Techno Services Full time

    We are hiring behalf of our client into leading commerce market platform company, based out in Noida. Software developers  from product/saas/startup companies, Designation: Data Scientist Experience: 3 Years Location: Noida Education: B.Tech or MCA Overview: This is a full-time hybrid role for a Data Scientist located in Noida, with some flexibility for...

  • Data Scientist

    1 month ago

    Noida, India Getinz Techno Services Full time

    We are hiring behalf of our client into leading commerce market platform company, based out in Noida. Software developers  from product/saas/startup companies, Designation: Data ScientistExperience: 3 YearsLocation: NoidaEducation: B.Tech or MCAOverview:This is a full-time hybrid role for a Data Scientist located in Noida, with some flexibility for remote...

  • Data Scientist

    3 days ago

    Noida, Uttar Pradesh, India MetLife Full time

    **Position Summary** Continuing with the tradition of innovation, MetLife, as part of its Digital Office function, is establishing a dedicated center for advanced analytics & research in India. The setup of Global Analytics and Research Center (GARC) is a key multi-year strategic initiative focused on scaling data science capabilities, enabling more...

  • Data Scientist II

    3 weeks ago

    Noida, India Microsoft Full time

    Overview The CXE data services team is a part of the Msec CXE within Microsoft's booming Security org. We work with users and partners from all over the world to drive service adoption and to shape the Microsoft Identity business. The CXE data services team has an exciting opportunity for a Senior Data Scientist to work in the most...

  • Data Scientist II

    3 weeks ago

    noida, India Microsoft Full time

    Overview The CXE data services team is a part of the Msec CXE within Microsoft's booming Security org. We work with users and partners from all over the world to drive service adoption and to shape the Microsoft Identity business. The CXE data services team has an exciting opportunity for a Senior Data Scientist to work in the most...

  • Data Scientist, Analytics

    1 month ago

    noida, India Anicalls (Pty) Ltd Full time

    • Proven experience as a Data Scientist / BI Analytics Consultant• Education background in Applied Statistics, Mathematics, or a similar Data Stat Modeling field;• Data development and visualization experience with Python/R/SQL/flash• Expertise in building statistical models in tools such as Python, R or SAS with exposure to DataBricks/Spark and...

  • Data Scientist

    1 month ago

    Noida, India Transaction Network Services Full time

    An extraordinarily talented group of individuals work together every day to drive TNS' success, from both professional and personal perspectives.Come join the excellence! Overview Transaction Network Services (TNS), a Koch Industries company is seeking a talented and motivated data scientist to work within our AI Labs, India. As a Data Scientist, you...

  • Data Scientist

    1 month ago

    noida, India Transaction Network Services Full time

    An extraordinarily talented group of individuals work together every day to drive TNS' success, from both professional and personal perspectives.Come join the excellence! Overview Transaction Network Services (TNS), a Koch Industries company is seeking a talented and motivated data scientist to work within our AI Labs, India. As a Data Scientist,...

  • Junior Data Scientist

    4 weeks ago

    Noida, India Big Oh Notation Full time

    BIGOH61 FULL-TIME 0-6 MONTHS **Role: Junior Data Scientist** **Experience: 0 - 6 Months** **Qualification: BE / BTech with a Minimum of 80% in academics, analytically sharp** **Location: Noida** **Employment: Full time** - Good knowledge of Data Science concepts and Machine Learning modeling. - Hands-on experience or Good knowledge of Python. - Good...