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Overview & Responsibilities In business for more than 70 years, Republic Finance is proud to be a trusted lender in over 250 communities across the United States! We specialize in providing flexible lending solutions and incomparable customer service. Driven by our shared mission to pursue excellence for our team, our customers, and our performance, we are continuously improving our customer offerings in tandem with opening more branches in new states each year. We also regularly promote from within and enjoy giving back to the communities we serve. In a nutshell, our company culture is about helping customers, investing in our employee's future, and ensuring that our performance makes an impact on our community! The Data Science team at Republic Finance is responsible for delivering advanced analytical solutions using cutting-edge statistical and machine learning techniques. We are looking for a Data Scientist who has the track record of delivering highly effective and reliable solutions using advanced analytics to drive optimized business outcomes. Responsibilities are as follows: Collaborate with Credit Risk, Marketing, Branch Operations, Account Management, and other functions to identify specific business problems to address Perform exploratory analysis or leverage the analysis shared by the business functions to brainstorm various advanced analytical solutions Build highly adoptable and efficient data pipelines. Perform data extraction, standardization, transformation, and further data wrangling to prepare the data to apply advanced ML or statistical techniques Apply sophisticated machine learning and statistical techniques to develop, deploy and maintain predictive models. Build and maintain a comprehensive model documentation in a centralized location. Highly experienced with Traditional Credit Bureaus and other alternative consumer Credit Data for building Consumer Lending models such as: o Probability of Marketing Response o Probability of Loan Default o Loss given Default o CECL Loss Forecasting Present the model development package and results to executives and senior managers. Seek the approval for implementation by presenting compelling business benefits from the solutions Work with IT and ensure successful deployment of the solution in the decision engine. This involves validating data mapping, provides requirements for data parsing/storage, validating the scoring model in production and troubleshooting to resolve issues Partner with the business teams to help with design of experiments (DOE) and successful incorporation of the solutions into business strategies Create the model governance package once a quarter to monitor stability of the predictive models and share with executives and senior leaders Requirements Master's or PhD in Data Science, Data Analytics, Statistics, Computer Science, Mathematics, or related field or equivalent amount of work experience Proven experience with Python, SQL, and a data visualization program like Tableau or Power BI. Python, SQL, and Power BI preferred 1-3 years of experience in Consumer Lending---------------------------------------------------------------------------------------------- Strong communication skills and motivated to deliver innovative/effective solutions to address business problems Proficient in handling Large Datasets, working with Data Processing Frameworks, and building reliable Data Pipelines Extensive experience building advanced analytical solutions using best-in-class Machine Learning and Statistical Modeling techniques (Random Forest, Gradient Boosting, LASSO, Elastic Net etc.). Strong knowledge of both supervised and unsupervised learning techniques Familiar with data from various bureaus and third-party data providers. Processed very large datasets and comfortable with structured, semi-structured and unstructured data Consumer lending business knowledge and experience preferred Knowledge of NoSQL databases such as MongoDB, versioning software such as Git and parsing JSON and XML is a plus Benefits We offer a competitive compensation and benefits package including: Health, Dental, & Vision Insurance 15 days of Paid Time Off (PTO) to start + 1 additional personal holiday 401k + employer match Company provided Life Insurance & Long Term Disability Employee Assistance Program - Confidential mental health support Additional benefits with Republic Finance include: Employee of the Month Program Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society Regular drawings for Sports tickets Professional offices with a friendly team environment Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.