Decision Scientist, Credit Risk

Your Role

At Pomelo, we're excited to welcome a Decision Scientist to our Risk department! We value diverse perspectives and are looking for someone who can bring their unique skills to help us assess and manage credit risk. In this role, you’ll have a big impact by analyzing credit risk exposure, collaborating with different teams to improve our risk metrics, and developing machine learning models for credit and fraud risk. You’ll work closely with both internal and external partners to streamline our monitoring processes and contribute to our credit risk strategy and portfolio management in partnership with our Product and Finance teams.

What We’re Looking For

• Experience: You have 5-8 years of experience in credit risk management or a related field.
• Technical Skills: Proficiency in SQL and Python.
• Credit Risk Expertise: Experience in formulating credit risk policies and making underwriting decisions.
• Analytical Skills: Ability to assess customers' creditworthiness using diverse data sources and predictive analytics to set credit limits that balance growth with minimized risk.
• Risk Monitoring: You’re skilled in monitoring and analyzing key loss indicators, identifying trends, and improving credit risk strategies to optimize approval rates, customer utilization, and loss performance.
• Statistical and Analytical Tools: Proficiency in using statistical and analytical tools, including machine learning frameworks, for credit risk and fraud detection.
• Organizational Skills: Strong organizational and project management skills, with experience managing multiple projects in a fast-paced environment.
• Decision-Making: Ability to make sound, data-informed decisions in new and ambiguous situations with minimal guidance.
• Reporting and Automation: Experience in supporting, building, and automating reports and operational processes.
• Collaboration: Proven ability to work effectively with cross-functional teams, including Engineering, Data, Product, and Finance.

Bonus Points For

• Growth Mindset: A passion for learning and growing, with a willingness to embrace challenges.
• Fintech Experience: Experience in Fintech or startup environments is a plus but not required.
• Education: An educational background in Finance, Economics, Statistics, Data Science, or a related discipline is beneficial but not a hard requirement.