Data Scientist Credit Risk Modeling Xgboost Nlp at Wex

The position is applicable ONLY for US remote This role would not offer sponsorshipGlobal Risk Decision Analytics and Capabilities is a key team in Risk & Compliance organization that ensures robust fraud and credit decisions across all segments while providing a great customer experience and supporting WEX’s growth. We are a team of data and analytics driven experts with an outstanding ability and sense of mission to find solutions through innovation and collaboration. We are looking for a Data Scientist in the Credit Risk team, who will be responsible for developing and managing the credit and collections decision science models and business logic, leading to best-in-class credit loss metrics, profitability-based decisions and customer experience for WEX. The successful candidate should have prior data science and / or advanced analytics experience in credit risk management including the underlying modeling method lies and tools. The successful candidate will be collaborative and a strong communicator with high EQ to work in a matrixed organization. This position will report to the Director of Credit Risk.  Major Roles and Responsibilities 
Building and leveraging new and existing data sources to build Credit risk models across the lifecycle i.e. adjudication of New Accounts, Portfolio and Collections and across products and lines of business
Deploying statistical and machine learning techniques to optimize decisions, leveraging standard tools Distilling complex results or processes into simple, clear visualizations
Explaining sophisticated data science concepts in an understandable manner
Building solutions and working with modern development tools and writing code collaboratively (bonus for software development or DevOps experience)
Innovate with a focus on developing newer and better approaches using big data & machine learning solutions
Monitoring credit risk through the customer lifecycle, to provide timely detection and mitigation
Performing qualitative and quantitative analysis on credit risk trends and working together with Strategy and Operations teams to define, evaluate, and implement potential solutions.
Developing solutions to reduce credit risk and financial losses, while minimizing impact to good customers
Defining Credit Risk Analytics capability  roadmaps to deliver gains in key performance indicators (KPIs)
Collaborate with key stakeholders and cross-functional partners across WEX including Risk Operations, Technology, Bank, Marketing, Finance, Legal, Risk and Compliance/BSA/AML. 
Job RequirementsEducation and Experience:
Bachelor’s degree required; advanced degree strongly preferred
5+ years of experience in Data Science; 3+ years of experience in the Credit & Collections risk analytics/ data science and/or Commercial Risk space; Payments industry experience a plus
Experience using statistics and machine learning to solve complex business problems- Big Data, Python / SQL, ML studio, Data visualization tools 
Skills and Abilities:
Ability to think critically in order to analyze problems and develop creative, practical and efficient solutions for a multinational company
The ability to learn quickly, solve complex problems, and perform in a fast-paced environment
Strong communications skills that distill complex data and systems issues to both technical and non-technical audiences 
Understanding of and experience with risk decision engines and/or payment technology 
Willingness to learn and continuously build technical skill set 
Ability to prioritize and work on multiple projects and tasks at the same time
Adaptable and comfortable working collaboratively and independently in a self-starting manner
The base pay range represents the anticipated low and high end of the pay range for this position. Actual pay rates will vary and will be based on various factors, such as your qualifications, skills, competencies, and proficiency for the role. Base pay is one component of WEX's total compensation package. Most sales positions are eligible for commission under the terms of an applicable plan. Non-sales roles are typically eligible for a quarterly or annual bonus based on their role and applicable plan. WEX's comprehensive and market competitive benefits are designed to support your personal and professional well-being. Benefits include health, dental and vision insurances, retirement savings plan, paid time off, health savings account, flexible spending accounts, life insurance, disability insurance, tuition reimbursement, and more.  For more information, check out the "About Us" section.Salary Pay Range: $104,000.00 - $139,000.00