Risk Program Senior Associate - Card Merchant

Come join us in reshaping the future!

Card Risk Modeling (Applied AI ML) team is searching for talents in machine learning, big data and distributed computing with applications in credit card business, in particular, card acquisition risk management decision process. You will drive long term profitable growth using ML / AI powered predictive models with strong business acumen, collaborate in a team environment, and effectively communicate results to senior management.

• Design and develop machine learning models to drive impactful credit decisions for the card business throughout the credit card lifecycle (e.g., acquisition, account management, transaction authorization, collection).
• Leverage cutting-edge machine learning techniques, including deep learning architectures on big data platforms with key emphasis on interpretability and replicability of such techniques.
• Work closely with the senior management team to develop ambitious, innovative modeling solutions and implement them in production to drive significant business impact.
• Collaborate with various business partners in marketing, risk, technology, model governance, compliance etc. throughout the entire modeling lifecycle. (development, review, deployment and ongoing monitoring)
• Present model result and ad-hoc research to senior leaders.

• Ph.D. or Master’s degree from an accredited university in a quantitative field such as Computer Science, Mathematics, Statistics, Econometrics, or Engineering.
• Exceptional coding skills with at least one-year professional experience in coding (e.g. Python, SAS, Spark, Scala, or Tensorflow) and big data platform (e.g., Hadoop, HDFS, Teradata, snowflake, AWS cloud, Hive).
• Solid understanding of advanced statistical methods and machine learning techniques: GLM/Regression, Random Forest, Boosting Trees, Neural Network, Clustering, KNN, Anomaly Detection etc.
• Strong ability to interpret and form a coherent story with complex data and communicate to a wide range of audience with various degree of technical acumen including senior leadership and executives.
• Advanced problem-solving skills and exceptional analytical skills.

• Experience in credit card industry with strong business acumen.
• Experience in interpreting / explaining machine learning models such as XGBoost, GBM etc.
• Strong ownership and execution; proven experience in implementing models in production.
• Expertise in data wrangling and model building on a distributed Spark computation environment.