Data Scientist, Credit Risk Analytics

#LI-RC1 #LI-Remote About Us 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   www.prosper.com Our Story & Team  //   Our Blog    Applicants have rights under Federal Employment Laws. Family & Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)    California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.   Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.   At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.   Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.     *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

How you’ll make an impact

Build industry-leading machine learning models for managing credit and fraud risks

Skills that will help you thrive

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

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

Resources to help you prosper

Interview Process

Recruiter Call: A brief screening to discuss your experience and initial questions

Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member

Technical Interview: Deeper dive into coding skills

Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercise