Data Scientist, Credit Risk Analytics

THE ORGANIZATION:

Accion Opportunity Fund is an unparalleled financial support system that provides small business owners with access to capital, networks, and coaching. We work to build inclusive and accessible options for these determined business owners. For over 30 years we have deployed over $1 billion in over 35,000 loans and served 4 million business owners with educational resources. Our client base is nearly 90% from underserved communities.

In addition to providing resources and loans to small businesses, we also conduct original research, advocate for policy changes, and finance community construction projects in low-income neighborhoods through our New Market Tax Credit program.

AOF is on a journey to both scale our impact and become financially sustainable. We're building a better system for underserved small businesses and a workplace where passionate problem-solvers, data-driven thinkers, and small business champions thrive.

For more information about us, visit https://aofund.org/

ROLE SUMMARY:

You will report to VP, Credit Risk & Policy and work cross functionally to monitor credit performance, design and implement credit strategies, and develop predictive models that balance risk, impact and growth with the goal of maximizing the organization’s financial sustainability, mission fulfillment, and stakeholder results (investors, donors, and capital providers).

JOB DUTIES AND RESPONSIBILITIES:

• Perform quantitative analysis to assess credit profile and performance across the credit lifecycle - from top of the application funnel to booked loan portfolio - and provide recommendations for improvement
• Develop statistical models for prospecting, underwriting, account management, and/or collections. Own the model from development to implementation including ongoing monitoring and maintenance
• Recommend and refine credit strategy criteria based on marginal risk analysis, balancing the pursuit of mission impact and financial sustainability
• Analyze internal and external data, including traditional and non-traditional credit data, to inform credit strategy changes
• Constantly seek stakeholder feedback from business partners to understand and apply sound business judgment to supplement data analysis and insights
• Utilize historical loss curves, current portfolio performance, and projected volume to forecast credit losses
• Prepare and present insights and materials for quarterly credit risk committee meetings
• Collaborate cross-functionally with Finance, Lending Operations, and Impact teams to strengthen AOF’s analytics and decision frameworks.

MUST HAVES:

• Bachelor’s degree or higher or equivalent work experience, preferably in a quantitative area such as statistics, mathematics, computer science, engineering, and economics.
• Minimum of 2 years in data/analytics or finance role, ideally in credit analysis. Knowledge of small business lending a plus.
• Experience manipulating and summarizing data sets, ideally with SQL and Python
• Ability to utilize data and navigate varying levels of detail to reach and communicate a conclusion
• Independent thinker with an intrinsic motivation to solve complex problems in creative ways
• Strong ownership mentality with exceptional resourcefulness and drive for results
• Data-driven and solutions oriented
• Excellent oral and written communication skills
• Ability to engage and work effectively with staff in multiple locations
• Strong work ethic, time management skills and the ability to work independently

PERKS AND BENEFITS:

Our mission is what motivates us to come to work each day. We know that happy employees are productive employees, which is why we offer a comprehensive benefits package that includes:

• Competitive salary commensurate with experience.
• An environment that values work-life balance and monthly remote work reimbursements.
• 100% company-funded Medical, Dental, Vision, Life & Disability coverage for employees (Based upon your plan selection). 90% company-funded dependent coverage (Based upon your plan selection) as well as Flexible Spending Accounts.
• Voluntary benefits with payroll deduction for Supplemental Life & AD&D insurance and legal plans.
• Tax deferred & Roth 403(b) Retirement Plan with employer match.
• Unlimited vacation days, 12 paid holidays, 1 floating holiday, 10 Sick days, and paid parental leave.

We are an equal opportunity employer and committed to improving diversity, equity, and inclusion at Accion Opportunity Fund. AOF does not discriminate in employment on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.

Salary Range*: $105,567 - $135,356

*Please note that the above salary range is a national range, and compensation is dependent upon the candidate's experience and skill level.