استخدام Data) Actuarial Scientist)
شرح موقعیت شغلی
Wallpay is an innovative fintech startup that offers alternative credit solutions to consumers through Buy Now Pay Later (BNPL) and Pay in Four schemes. We strive to make online shopping more accessible and convenient for our customers, while minimizing credit risk and maintaining financial sustainability. We are currently looking for a talented Data Scientist who is familiar with actuarial science to join our team and help us develop state-of-the-art credit scoring and risk assessment algorithms.
Responsibilities:
- Develop, implement, and maintain credit scoring and risk assessment algorithms for Wallpay's BNPL and Pay in Four schemes. This may involve analyzing credit scores, payment histories, and other financial data.
- Analyze and process large datasets, identifying patterns and insights in customer behavior and payment performance and assess credit risk to identify areas of potential risk.
- Apply machine learning techniques, statistical models to Develop and maintain actuarial models to enhance the predictive capabilities and risk management of our credit scoring system.
- Conduct stress tests and sensitivity analyses to assess the impact of different scenarios on the financial health of our products.
- Continuously refine and optimize algorithms based on new data, feedback from stakeholders, and market condition changes to minimize exposure to risk while maximizing opportunities for growth and profitability.
- Ensure compliance with data privacy, anti-discrimination, and fair lending regulations.
- Present findings and recommendations to management and other stakeholders in a clear and concise manner.
- Collaborate with cross-functional teams to develop and implement risk management policies and procedures, ensuring compliance with applicable laws, regulations, and industry standards.
- Stay up-to-date with the latest industry trends, best practices, and tools in data science, machine learning, and credit risk modeling.
- Assist in the development of business continuity plans and crisis management protocols, ensuring that the organization is prepared to respond to potential emergencies and minimize the impact on business operations.
Requirements:
- Minimum 2-3 years of relevant experience in risk management, actuarial science and data science , preferably in the fintech or financial services industry.
- Strong knowledge of machine learning, statistical modeling, and data mining techniques.
- Proficiency in data wrangling tools (SQL and Pandas), big data tools (Spark) and experience with machine learning libraries.
- Strong analytical and problem-solving skills, with the ability to translate complex data into actionable insights.
- Excellent communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders.
- Strong team working skills
- Professional certifications in risk management or related fields are a plus.
مهارتهای مورد نیاز
- Data science
- Sql Server
حداقل سابقه کار
- سه تا شش سال
جنسیت
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