Sr. Data Scientist - Credit Risk

Brand: Purpose Financial Address : 322 Rhett Street, Greenville, South Carolina, United States - 29601    Purpose Financial, Inc. is an innovative consumer financial services company that offers a diverse suite of credit products, promoting financial inclusion and meeting consumers wherever they are. Through its brands, the company is committed to helping customers achieve their version of financial stability in the moment and in the future.  Since 1997, Purpose Financial has been a pioneer in the consumer credit and financial services market offering money solutions in over 800 storefronts locations and online lending.  Providing services in over 23 states, Purpose Financial employs over 2,500 team members. At Purpose Financial we are always on the lookout for motivated individuals who share in our values of mutual respect to join our team of outstanding professionals. We offer: Competitive Wages Health/Life Benefits Health Savings Account plus Employer Seed 401(k) Savings Plan with Company Match Paid Parental Leave Company Paid Holidays Paid Time Off including Volunteer Time Tuition Reimbursement Business Casual Environment Rewards & Recognition Program Employee Assistance Program Office in downtown Greenville that offers free parking, onsite gym, free snacks/drinks To learn more about Purpose Financial visit  Purpose Financial Website . Position Summary Purpose Financial is seeking a Senior Data Scientist, Credit Risk to serve as the dedicated modeling and analytics resource for our Line of Credit (LOC) products. This role owns the credit risk analytics agenda for our LOC products end to end: acquisition scoring, initial line assignment, line management, utilization and draw behavior, loss forecasting, and portfolio performance monitoring across Storefront, Digital, and Lead Generation channels. The ideal candidate has built credit models for revolving or line-based products, and can translate borrower behavior into line strategy, credit policy, and forecasted financial outcomes. This role sits within Credit Risk and Data Science, reports to the Director of Data Science & Credit Risk. and partners closely with Finance, Digital Operations, Collections, Product, and Compliance. The successful candidate is comfortable operating with a high degree of independence, moving from ambiguous business question to defensible analytical answer, and presenting that answer to senior leadership. Job Responsibility Serve as the dedicated credit risk data science resource for the LOC portfolio, owning the model and analytics roadmap for the product. Develop, validate, and maintain machine learning and statistical models across the LOC customer lifecycle, including application scoring, initial line assignment, line increase and line decrease strategy, reauthorization, and behavioral scoring. Build and refine LOC-specific risk metric. Design and execute champion/challenger…