Data Scientist

BrainFinance is a leading financial technology company that provides responsible and constructive credit solutions to consumers. We are redefining access to credit through our revolutionary technology that utilizes machine learning and automation capabilities to offer better and simpler financial services to everyone.

A true innovation lab, our team consists of financial experts, data geeks, mathematicians, computer scientists, and software engineers, all working together to bring fair and transparent credit solutions to the masses.

Are you interested in joining our fintech team?

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Here's what we're looking for

We are looking for a talented, enthusiastic, and results-driven Data Scientist to join our growing team who will be responsible for responding to analytics requests, managing data assets, developing predictive and forecasting analytics solutions in support of the organization’s lending decisions across all aspects of Growth, Marketing, Product, Credit, Operations and Finance.

Your daily responsibilities

The ideal candidate should have a strong academic background in data mining and predictive modeling. The candidate should have a great sense of data and ideally would have some relevant experience in the lending, credit, fraud, banking, and financial services industries. The candidate is an avid and quick learner of new concepts, skills, and technologies, and has a strong ability to conduct research and convert knowledge to solutions.

• Develop actionable analytics insights for continuous enhancement of lending business management in all aspects of credit risk, policy and strategy, marketing and sales, account behavior, and collections;
• Exploratory data analysis employing large data sets involving visualization and basic statistical techniques to develop intuitions and identify key variables in data science projects;
• Manage Estimating Time of Arrival (ETA) data, including calculating accurate start and end times and effectively managing time-sensitive data;
• Utilize advanced techniques in handling and analyzing geospatial data to derive location-based insights and decision-making strategies;
• Design and implement Natural Language Processing (NLP) algorithms for automating customer service processes, enhancing operational efficiency, and improving customer interactions;
• Conduct thorough evaluations of machine learning models, determining their suitability for classification or regression tasks, and strategizing improvements based on performance metrics;
• Monitor portfolio performance and drive validation of analytics solutions and adjustments of credit and marketing/sales strategies to mitigate risk;
• Respond to ongoing analytics and data requests from all areas of banking;
• Work with the executive team to match communications strategies with organizational strategies and objectives;
• Learn and understand the business in detail and educate the organization in using and understanding analytics and data.

Your skills and experience

• 5+ years of experience in data processing and predictive model development with strong analytical, conceptual, and quantitative problem-solving skills;
• An M.Sc Degree, preferably in a quantitative area such as statistics, mathematics, computer science, engineering, or economics;
• Highly skilled in Python Data Science Stack (NumPy, SciPy, Pandas, Scikit-learn, Jupyter, IPython), Machine Learning and Statistics, Data Visualization, A/B Testing, Bandit problems, Recommendation systems, and Reinforcement learning;
• Expertise in SQL and NoSQL databases, like PostgreSQL and MySQL;
• Hands-on experience gathering/transforming/analyzing Geospatial data and Time-sensitive data (ETA);
• Experience in designing and implementing NLP algorithms;
• Knowledge of external credit/alternative data for assessing credit outcomes is a plus;

Perks and benefits

• Group Insurance (Health and Dental)
• Retirement Savings Plan (RSP)
• Hybrid - Office / remote (the team is in the office on Wednesdays)
• Additional Days off (Moving day, Birthday, 5 personal days)
• Health and Wellness Program
• Office perks: Event Coordinator responsible for social activities, 5-7, snacks provided, yoga and meditation room
• Paid subscription to training tools
• Benefits for public transportation (Bixi, Opus)
• Modern open plan office with pin pong, babyfoot and pool table
• A friendly and relaxed working environment

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