Sr Data Scientist Credit Strategy at Yendo

About us

Hi there, we're Yendo, and we are improving the way people finance their daily lives.
💳 100 million Americans lack access to sustainable credit and are forced to use predatory loans. Think 500%+ APR alternative financing options such as Auto Title, Payday, Pawn, and Personal Loans. Each year almost 25% of adults are excluded from the mainstream credit system, severely inhibiting their chances of accessing affordable borrowing, getting a mortgage, or even an auto loans.
📱 We are using modern technology to instantly value a borrower's vehicle and issue a vehicle secured credit card that is ~96% cheaper than current options for those denied by traditional loan products. Yendo Credit Cards are standard-interest 24% APR with no hidden fees or overdraft charges and help build their customers' credit score.

👨‍💼 Our executive team previously built a business that scaled to $100M ARR and has extensive experience in collateralized lending in under-developed credit markets.

🧠We are backed by leading VCs, accomplished entrepreneurs, respected philanthropists, and founders from across the U.S. Our backers are the minds and investors behind the success of the Apple Card, Brex, Dave, Scribd, Parse, Canva, Robinhood, Flexport, Gusto, Reddit, Notion, LinkedIn, among others.

Stage: Series A
Total Funding: $33M

Yendo is based in Dallas, Texas with nationwide team. This role is in our office in the Deep Ellum area of Dallas.

💰Competitive Compensation
📈Equity
🍎Insurance
📊 401K
🏝Unlimited PTO


About the role

We are seeking an innovative, data-driven professional to further develop and refine Yendo’s credit strategy. Yendo uses various alternative and collateral based data sets to provide affordable finance to those locked out of the traditional underwriting system.

In this role, your mandate is to build the foundation for a resilient and mission driven credit strategy program. You will work closely with cross functional teams including Product, Data Science, and Engineering teams to bring new lending programs to life.

We are working day-in and day-out to defeat predatory lending and unlock affordable finances for 100 million people. No task is too small for anyone within Yendo. This is an aggressive, fast-paced, and fun environment. A work-hard, play-hard mindset is required to do well here.


What your day-to-day will look like

Developing and implementing credit strategies based on analytics (e.g. SQL, Python) and strategic long term thinking.
Owning a full lifecycle of credit policy changes from ideation through execution.
Monitoring consumer loan performance to constantly innovate and improve credit policy.
Ensuring loan portfolios meets the company's risk tolerance.
Additional duties as assigned by your manager.
Act as a key member of a small, elite team, influencing company strategy, culture, and road map
Win.



Who you are

7+ years experience in credit / consumer finance risk strategy
You have a master's degree in a highly quantitative field (Statistics, Economics, Mathematics, or a related highly quantitative degree) required
Proven track record of developing and managing a consumer credit risk program in a bank or other consumer lending program
An innovative thinker. Yendo’s product is highly disruptive and requires a significant level of creativity.
Experience in consumer fintech or risk-based products is a plus.
Willingness to be deep in the details while also being able to create and communicate higher level strategy
You are competitive and want to win.
Self-starter attitude and ability to work independently
Passionate about financial inclusion and mobility
Demonstrated ability to partner effectively across the organization.
Self-starter and ability to build programs from scratch.
Must have a positive attitude and willingness to roll-up their sleeves and get things done.
Strong interpersonal skills and the ability to cultivate relationships with senior leadership



We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you’re excited about the opportunity and willing to learn, we’d love to hear from you!

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at Yendo. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within Yendo.