POSITION OVERVIEW Step into a role where risk management meets innovation. As a Senior Analyst of Risk Management, you will pioneer strategies that ensure our personal loan products transform lives without compromising risk. You will design risk strategies that consider more than traditional credit scores. You will gain exposure to pricing, marketing and underwriting to build deep knowledge of installment loan business, helping drive growth and profit optimization. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact. RESPONSIBILITIES: Gain exposure to key areas such as risk underwriting, pricing, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stake holders to influence decision making Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize direct mail marketing/targeting Design strategy ramp-up to support the expansion in new channels, new geographic regions and/or new partner sources while ensuring portfolio resilience Support the development of pricing strategies and practices, balancing revenue optimization with enterprise objectives and customer experience Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved DESIRED SKILLS & EXPERIENCE: Bachelor s Degree in Engineering, Mathematics, Economics, Finance, or other analytical discipline (advanced degree in a quantitative discipline is a plus) 3+ years of experience in an analytic role, preferably in risk management of the financial services industry Very strong attention to detail, experience developing processes to implement strategy A self-starter - you naturally take ownership, look for opportunities, and drive recommendations through execution Adaptive to a fast-changing environment and have the drive to get things done Flexible in prioritizing work, managing multiple tasks and meeting deadlines Excellent SQL (or similar language) programming skills; proficiency in Python is a plus Advanced Microsoft Excel and PowerPoint skills Strong written and verbal communication skills

Position Overview: As a Sr. Analytics Engineer at Oportun, you will be a key member of our team, responsible for designing, developing, and maintaining sophisticated software / data platforms in achieving the charter of the engineering group. Your mastery of a technical domain enables you to take up business problems and solve them with a technical solution. With your depth of expertise and leadership abilities, you will actively contribute to architectural decisions, mentor junior engineers, and collaborate closely with cross-functional teams to deliver high-quality, scalable software solutions that advance our impact in the market. This is a role where you will have the opportunity to take up responsibility in leading the technology effort - from technical requirements gathering to final successful delivery of the product - for large initiatives (cross-functional and multi-month-long projects). RESPONSIBILITIES Data Architecture and Design: Lead the design and implementation of scalable, efficient, and robust data architectures to meet business needs and analytical requirements. Collaborate with stakeholders to understand data requirements, build subject matter expertise, and define optimal data models and structures. Data Pipeline Development and Optimization: Design and develop data pipelines, ETL processes, and data integration solutions for ingesting, processing, and transforming large volumes of structured and unstructured data. Optimize data pipelines for performance, reliability, and scalability. Database Management and Optimization: Oversee the management and maintenance of databases, data warehouses, and data lakes to ensure high performance, data integrity, and security. Implement and manage ETL processes for efficient data loading and retrieval. Data Quality and Governance: Establish and enforce data quality standards, validation rules, and data governance practices to ensure data accuracy, consistency, and compliance with regulations. Drive initiatives to improve data quality and documentation of data assets. Mentorship and Leadership: Provide technical leadership and mentorship to junior team members, assisting in their skill development and growth. Lead and participate in code reviews, ensuring best practices and high-quality code. Collaboration and Stakeholder Management: Collaborate with cross-functional teams, including data scientists, analysts, and business stakeholders, to understand their data needs and deliver solutions that meet those needs. Communicate effectively with non-technical stakeholders to translate technical concepts into actionable insights and business value. Performance Monitoring and Optimization: Common Requirements Implement monitoring systems and practices to track data pipeline performance, identify bottlenecks, and optimize for improved efficiency and scalability. You have a strong understanding of a business or system domain with sufficient knowledge & expertise around the appropriate metrics and trends. You collaborate closely with product managers, designers, and fellow engineers to understand business needs and translate them into effective solutions. You provide technical leadership and expertise, guiding the team in making sound architectural decisions and solving challenging technical problems. Your solutions anticipate scale, reliability, monitoring, integration, and extensibility. You conduct code reviews and provide constructive feedback to ensure code quality, performance, and maintainability. You mentor and coach junior engineers, fostering a culture of continuous learning, growth, and technical excellence within the team. You play a significant role in the ongoing evolution and refinement of current tools and applications used by the team, and drive adoption of new practices within your team. You take ownership of (customer) issues, including initial troubleshooting, identification of root cause and issue escalation or resolution, while maintaining the overall reliability and performance of our systems. You set the benchmark for responsiveness and ownership and overall accountability of engineering systems. You independently drive and lead multiple features, contribute to (a) large project(s) and lead smaller projects. You can orchestrate work that spans multiples engineers within your team and keep all relevant stakeholders informed. You support your lead/EM about your work and that of the team, that they need to share with the stakeholders, including escalation of issues Qualifications Bachelors or Masters degree in Computer Science, Data Science, or a related field. 5+ years of experience in Analytics Engineer/Advanced Analytics Engineer. Proficiency in programming languages like Python/PySpark and Java or Scala Expertise in big data technologies such as Hadoop, Spark, Kafka, etc. In-depth knowledge of SQL and experience with various database technologies (e.g., PostgreSQL, MariaDB, NoSQL databases). Passionate about using data to help guide strategic decision making. Experienced at telling stories with data and communicating to stakeholders at all levels of the business. Experienced with orchestration and designing job schedules using the CICD tools like Jenkins, Airflow or Databricks. Ability to work in an Agile environment (Scrum, Lean, Kanban, etc) Ability to mentor junior team members. Familiarity with cloud platforms (e.g., AWS, Azure, GCP) and their data services (e.g., AWS Redshift, S3, Azure SQL Data Warehouse). Experienced in building strong relationships with stakeholders and colleagues to tackle big, cross-functional problems. Excellent communication with both technical and non-technical audiences. Familiarity or certification in Databricks is a plus.

We are growing our world-class team of mission-driven, entrepreneurial Data Scientists who are passionate about broadening financial inclusion by untapping insights from non-traditional data. Be part of the team responsible for developing and enhancing Oportuns core intellectual property used in scoring risk for underbanked consumers that lack a traditional credit bureau score. In this role you will be on the cutting edge working with large and diverse (i.e. data from dozens of sources including transactional, mobile, utility, and other financial services) alternative data sets and utilize machine learning and statistical modeling to build scores and strategies for managing risk, collection/loss mitigation, take-up rates and fraud. You will also drive growth and optimize marketing spend across channels by leveraging alternative data to help predict which consumers would likely be interested in Oportuns affordable, credit building loan product. RESPONSIBILITIES: Develop data products and machine learning models used in Risk, Fraud, Collections, and portfolio management, and provide frictionless customer experience for various products and services Oportun provides. Build accurate and automated monitoring tools which can help us to keep a close eye on the performance of the models and rules. Build model deployment platform which can shorten the time of implementing new models. Build end-to-end reusable pipelines from data acquisition to model output delivery. Lead initiatives to drive business value from start to finish including project planning, communication, and stakeholder management. Lead discussions with Compliance, Bank Partners, and Model Risk Management teams to facilitate the Model Governance Activities such as Model Validations and Monitoring. Lead, coach and partner with the DS and non-DS team to deliver results QUALIFICATIONS: A relentless problem solver and out of the box thinker with a proven track record of driving business results in a timely manner Master’s degree or PhD in Statistics, Mathematics, Computer Science, Engineering or Economics or other quantitative discipline Hands on experience leveraging machine learning techniques such as Gradient Boosting, Logistic Regression and Neural Network to solve real world problems 8+ years of hands-on experience with data extraction, cleaning, analysis and building reusable data pipelines; Proficient in SQL, Spark SQL and/or Hive 8+ years of experience in leveraging modern machine learning toolset and programming languages such as Python Excellent written and oral communication skills Strong stakeholder management and project management skills Comfortable in a high-growth, fast-paced, agile environment Experience working with AWS EMR, Sage-maker or other cloud-based platforms is a plus Experience with HDFS, Hive, Shell script and other big data tools is a plus