Credit - #1405269

The Team

We are a well-capitalized (over $250MM in equity funding) team of technology (Square, Microsoft, Facebook) and finance (Discover, CapitalOne, Goldman Sachs) executives with top-tier investors – Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, SciFi VC, Caffeinated Capital, etc.

Our team includes people who have built:

• Financial products (Square/CashApp, the earliest CapitalOne credit cards)
• Consumer products (Internet.org, Xbox)
• Technology infrastructure (Visual Studio, Windows & Azure, helped design the C++ & C# languages)
• Mathematics & science infrastructure (computational research at NASA’s JPL)

We are missionaries who like to work hard on important problems - and build products that become infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have an infinite impact on people’s lives.

Job Brief

We are seeking a highly experienced, creative, and analytically rigorous individual to fill a Credit leadership role within Aven. The role will hold primary responsibility for effectiveness of predictive modeling and minimizing credit losses for our products. The ideal candidate will possess a strong background in credit management, risk analysis, and strategic decision-making, along with exceptional prior success in past roles.

Who we are looking for:

• Proficient in credit modeling
• Considered as a go-to-expert for deep insights as well as the first person to be signed up to solve new credit problems for their company
• Prolific at switching contexts and operating across the entire stack of work - from loan-level decisions to shipping credit models to engaging soundly with regulators and capital partners
• Built and deployed credit risk models to production environments
• Thrive in engaging with engineers, data architects, and DevOps colleagues.
• Shipped models with step-change improvements in AUC/ROC/KS

Requirements:

• 10+ years of experience in consumer credit modeling or risk management within a major bank or fast growing Neo-bank / Fintech
• Previously taken on this responsibility and have demonstrated and established your ability to shape the direction of credit trends in your portfolio
• Proficient at SQL and experienced in Python
• Deep understanding & experience in statistics, experiment design, and machine learning techniques
• Master's degree or Ph.D. in Computer Science, Mathematics, or EE/ECE from a top tier institution