Position Summary:

Responsibilities for this Data Scientist position include mining, organizing, and analyzing complex business data, presenting conclusions, making actionable recommendations to Senior and Executive Leadership; utilizing analytical skills and data mining tools to monitor and streamline business processes; helping with data preprocessing, deployment, model quality monitoring, variable drift monitoring and other tasks as assigned to assist in the development and maintenance of the statistical, machine learning, and deep learning models used in underwriting and other business processes; and provide recommendations for strategy and process improvement in the daily operations of the business.

Essential Functions:

- Independently analyzes and interprets data using a variety of techniques, ranging from simple data aggregation to complex data mining. Documents findings, presents and makes data-driven and analytics-based recommendations to Sr. Management.

- Compiles reports, charts, and tables based on established statistical and analytical methods.

- Develops data models to meet the needs of the organization's information systems.

- Oversees project lifecycle of data studies or any other projects related to risk or analytics in the operational areas of the business (fulfillment, servicing, and collections).

- Deliver written project plans to set expectations and gain strategic agreement.

- Conduct and analyze business and information technology processes and prepare essential groundwork specifically related to collections and dialer strategies and call center staffing.

- Make recommendations for necessary changes on projects that come from other operational departments.

- Coordinate with division managers and product development team to accurately understand business needs and develop actionable solutions.

- Develop and monitor forecasting models; complete monthly/quarterly trend analysis; conduct ongoing sensitivity analysis to optimize business recommendations.

- Build and monitor predictive models in the marketing and loan acquisition stages of the business and develop strategies to deploy those models.

Skills:

- Active Listening- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

- Writing- Communicating effectively in writing as appropriate for the needs of the audience.

- Critical Thinking- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

- Credit Scoring & Modeling- Understanding of predictive modeling and credit scoring methodologies.

- Analytical- Synthesizes complex or diverse information; Collects and researches data; Uses intuition, business understanding and experience to complement data; Designs workflows and procedures.

- Problem Solving- Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations.

- Business Acumen- Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

- Strategic Thinking- Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.

- Reading Comprehension- Understanding written sentences and paragraphs in work related documents.

- Social Perceptiveness- Being aware of others' reactions and understanding why they react as they do.

Attributes:

- Oral Communication- Speaks clearly and persuasively in positive and negative situations; Listens gets clarification; Responds well to questions; Participates in meetings.

- Written Communication: Writes clearly and informatively; Varies writing style to meet needs; presents numerical data effectively.

- Speech Clarity - The ability to speak clearly so others can understand you.

- Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

- Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.

- Written Comprehension - The ability to read and understand information and ideas presented in writing.

- Writing Expression - The ability to communicate information and ideas in writing so others will understand.

Experience & Education Qualifications:

- Bachelor's Degree in: Finance, Economics, Computer Science, Data Science, Mathematics, or Statistics or a similar discipline.

Location/Travel:

- Work is in the office in St. Croix, USVI.

- Required Travel: Infrequent/Not applicable.

Computer Software/Hardware Knowledge:

- Proficiency in Python (preferred) or R is required, with the ability to adapt quickly to working in other programming languages, as needed.

- General database querying skills (e.g., SQL)

- Advanced Microsoft Excel, MS Word, PowerPoint

- Outlook Exchange

Physical Requirements/Work Environment:

• Must be able to stand and sit for prolonged periods of time, talking & hearing constantly.
• Occasionally lift up to 10 lbs.
• Must be able to sit in front of computer monitor(s) daily.
• Noise level: moderate noise level daily in an office atmosphere.