Happy Money

Data Scientist

• Build machine learning models for prescreen direct mail campaign targeting; your models will directly impact customer acquisition and lending decisions
• Perform rigorous model calibration to ensure predicted probabilities accurately reflect actual outcomes and drive reliable business decisions
• Design, implement, and deploy innovative data science solutions to bring data-driven prescreen strategies to life at scale
• Collaborate cross-functionally with Marketing, Risk Analytics, Product, and Engineering teams to translate analytical insights into executable strategies
• Monitor and optimize campaign performance metrics (response rates, conversion rates, approval rates, ROI) with continuous improvement

Data Scientist – Contract

Financial Planning and Analysis

• Lead financial reporting to provide key stakeholders with visibility into company performance and expense management.
• Own forecasting and budgeting processes, working closely with department leads to ensure accurate financial projections.
• Analyze monthly and quarterly financial performance, identifying key trends, variances, and business drivers.
• Create dynamic financial models to support business planning and scenario analysis.
• Partner with business leaders to track key performance indicators (KPIs), providing data-driven recommendations.
• Support corporate financial deliverables, including business reviews and board presentations.
• Assist in month-end and quarter-end financial close processes, collaborating with Accounting to analyze financial results.
• Maintain a system for tracking vendor renewals, and work cross functionally to identify cost saving opportunities as they arise.

Senior Financial Analyst

Analyst

• Optimize our conversion rate by continuously streamlining our origination process and improving user experience.
• Lead efforts to improve automation opportunities while balancing risk and customer experience.
• Manage and optimize existing strategies effectively by designing A/B tests to understand the right risk-return balance.
• Identify and evaluate new vendors / data sources and create business cases and present them to senior management.
• Conduct ad-hoc analysis related to risk management, product, and operations.
• Develop and implement credit strategies leveraging data, machine learning models and advanced analytics tools to mitigate losses and maintain excellent customer experience.
• Continue to innovate by testing new data, analytical approaches and models.
• Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to the Risk Management and broader Happy Money community in a clear and concise manner.

Senior Lead Analyst – Pricing and Conversion

Business Analyst

• Develop and implement fraud strategies leveraging data, machine learning models and advanced analytics tools to mitigate fraud losses and maintain superior customer experience.
• Manage and optimize existing strategies effectively controlling risks due to first party and third-party fraud.
• Design A/B tests and understand the risk and customer experience trade-offs.
• Lead fraud forecasting and budgeting activities by modeling fraud losses, operational impacts, and fraud trend assumptions.
• Lead the efforts to constantly iterate and improve existing strategies while identifying additional automation opportunities.
• Continue to innovate by testing new data, analytics approaches and models.
• Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to the Risk Team&amp;nbsp; and the broader Happy Money community.
• Identify and evaluate new vendors/data sources and create business cases and present them to senior management.
• Partner with Product, Marketing, Engineering and external vendor teams to implement strategies and monitor the strategy performance.
• Bring innovative/out of the box thinking to solve problems and make recommendations.
• Conduct ad-hoc analysis related to risk management, product, operations.
• Drive feedback loops using member complaints, bureau data, and operations insights to improve fraud detection performance.
• Provide subject matter expertise during fraud incidents, investigations, and root cause analyses.

Data Scientist – Contract

Senior Financial Analyst

Senior Lead Analyst – Pricing and Conversion

Lead Business Analyst, Fraud