Data Scientist at Reach Financial

What is Reach Financial?
Reach Financial is a FinTech platform helping people outsmart debt for good.
We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality.
Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges.
We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.
About the Department:
Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists, Data Engineers, Analytics Professionals covering all the business units and Business Intelligence Analysts.  We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progress for all initiatives.
About the Role:
We are looking for a gritty, curious, and collaborative Data Scientist to solve business problems using data. As a Data Scientist, you will use analytical, statistical, and programming skills to collect, analyze and interpret large dataset. Then you will develop data-driven business solutions. This role will report to a Director of Data Science.
What You Will Do:

Mine and analyze data from internal database and external vendor to optimize and improve business decisioning
Research and evaluate model building techniques
Develop predictive models to optimize various functions across the organization, including marketing, risk, and operations
Develop processes and tools to monitor and analyze model performance and data accuracy
Work independently to create data-backed recommendations to help stakeholders make strategic business decisions

What You Should Have:

Masters or PhD in Mathematics, Statistics, Econometrics, Operation Research, Industrial Engineering, Computer Science, or relevant fields is required.
3+ years of experience extracting, cleaning, manipulating datasets and building statistical models.
Experience in lending is required.
Experience using Python to manipulate data and draw insights from large data sets.
Experience applying unsupervised and supervised machine learning algorithms: clustering, decision trees, regression, etc. Understand algorithms’ fundamentals, their real-world advantages/drawbacks.
Experience applying advanced machine learning algorithms: boosting, ensembles, neural networks, gridsearch, etc. Understand algorithms’ fundamentals, their real-world advantages/drawbacks; have intuition on the best algo & hyperparameter to leverage.
Good communication and presentation skills.
Bonus experience in: unstructured data, BeautifulSoup, NLP, time-series modeling, RNN, AI.

What is it like working at Reach Financial?
Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.
We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.
What benefits will you receive?

Remote First Culture with optional Hybrid opportunities
Healthcare, Life Insurance, 401k Match
Paid Time Off, Paid 12-week Parental Leave
Disability (short-term, long-term), Employee Assistance Program
Spending Accounts (Transit/Parking, Medical, Dependent Care)
Insurance Discounts (home, auto, pet)

Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.