Senior Manager of Machine Learning

What You’ll Do

• Feature Engineering: Analyze internal and external datasets to surface trends and build high-signal features—including Debt-to-Income (DTI), Payment-to-Income (PTI), payment behavior patterns, and account balance signals—that improve the accuracy and predictive power of our credit models. - Model Development: Design and develop strategic ML models end-to-end, including approval amount sensitivity models that optimize credit line assignment strategies and drive measurable business outcomes. - Data Preparation: Manipulate, clean, and transform structured and unstructured data to ensure quality and readiness for modeling. Uphold rigorous standards for data integrity throughout the pipeline. - Vendor Evaluation: Partner with external data vendors to assess third-party data products and scoring solutions. Lead cost-benefit analyses to guide partnership decisions and data integration strategies. - Research & Innovation: Stay at the forefront of machine learning and feature engineering advances. Continuously incorporate new techniques to improve model performance and push the quality of our credit risk systems forward. - Model Implementation & Validation: Collaborate with technology and engineering teams to implement and validate models with precision. Identify opportunities to improve the speed, accuracy, and repeatability of model deployment. - Proactively track model performance in production. Lead calibration and redevelopment efforts to keep models accurate, reliable, and aligned with evolving business conditions. - Ensure all models meet regulatory standards and data vendor usage policies. Maintain thorough documentation of development processes, methodologies, and validation procedures. Support internal and external audit processes as needed. - Work closely with risk management, engineering, finance, and sales to translate business challenges into scalable, data-driven solutions—and ensure seamless integration of models into the broader risk management framework. ## What You’ll Bring