Ai/Ml Credit Risk Modeler

Company Description

Momentum Financial Services Group, formerly Money Mart Financial Services is a leading provider of financial services in North America. For 40 years we've been committed to providing financial solutions that meet the evolving needs of consumers and business owners. Backed by a retail network of over 450 locations and robust digital and mobile platforms, we provide access to cash and related products to help our customers achieve their goals. We operate retail locations in local communities and cities across Canada under the Money Mart® brand and in Quebec as Insta Cheques® and in United States as Money Mart® and The Check Cashing Store®.

Our highly skilled workforce puts customers first in everything we do. We serve millions of people annually with diverse and innovative financial products and services. Through this ever-evolving suite of services, we empower customers to manage their finances and improve their lives. Wherever customers are on their financial journey, Momentum Financial Services Group provides solutions.

We believe in giving back to the communities where we live and work. With the generous support of our customers and staff, we proudly contribute over two hundred & fifty thousand dollars annually to charities and non-profit organizations, along with using our time and talent to serve in local communities throughout Canada and the United States. We are looking for aspiring, passionate people who are dedicated to understanding and providing our customers with the right financial solutions utilizing a growing menu of products and services. We embrace diversity and offer a fast-paced work environment.

LI-REMOTE

GENERAL FUNCTION

Money Mart's Analytics & Risk Organization is responsible for managing the risk-reward throughout the lifecycle of our credit products and customer journey. This is an exciting organization where the contributions by the team members can really help Money Mart’s bottom line and create experiences that our customers love.

Artificial Intelligence and Machine learning are at the core of modern FinTech. You would be part of a new, cutting-edge Artificial Intelligence and Machine Learning center of excellence, tasked with developing innovative solutions for helping the business grow and become more efficient. You get the gist – enjoy the experience of working on high impact, Silicon Valley style projects, while living anywhere in the country. You also get to learn about how data is revolutionizing the world of consumer financial services.

Duties/Responsibilities

The AI/ML modeling team is diverse, passionate and on a mission to build state of the art Artificial Intelligence (AI) and Machine Learning(ML) models that support all facets of the growing digital and retail business. We have built a state of the art Machine Learning platform including a full service modeling feature store so this is a huge opportunity to shape the future vision of the company and build on this technology. If you are looking for a growth opportunity and working with talented individuals, come join us! We value collaboration, take ownership mindset and the importance of thinking like an engineer with the curiosity of a scientist.

• Leverage software engineering best practices for quality, scalability, maintainability and robustness
• Work in a cross functional capacity across all business units including product, marketing, operations, risk, fraud, compliance and finance
• Evangelize AI and ML across the company as we make the AI transformation of the company.
• This is an individual contributor role which requires hands on expertise in building and deploying credit risk models. This role has the potential to grow into a managerial role in the future.
• Scope and build model monitoring services for the team.
• Present model results to senior management and appropriate committee
• Use every dataset at disposal to enhance existing feature store for AI/ML models.
• Perform on going model monitoring, model testing and update the developed model as required
• Responsible for AI/ML model development and deployment end to end including problem definition, data collection and analysis, feature engineering and model monitoring
• Work on a modern AI/ML platform including a newly built feature store.

Qualifications

EDUCATION

• Master’s degree (PhD. Preferred) in a quantitative field such as Decision Science, Data Science, Mathematics, Statistics, Physics, Computer Science, Operations Research or Engineering

Experience

• 5-7 years experience with building and deploying ML models into production especially in the area of unsecured personal lending

Skills

• Experience in SQL and database optimization
• Experience working in a fintech or finance/banking institutions is nice to have but not required
• Strong development experience with Python is a must along with ML libraries (pandas, numpy, scikit learn, TensorFlow)
• Ability to thrive in in a fast paced, team oriented environment.
• Familiarity with H2O, Azure ML and Amazon Services
• Strong communications skills and ability to translate technical verbiage to business and senior management

Benefits

Additional Information

• PTO / 401K / Tuition Reimbursement
• All your information will be kept confidential according to EEO guidelines.
• Company paid life insurance
• Medical / Dental/ Vision benefits available
• Paid holidays

We invest in our employees, and offer extensive training, and development programs to set you up for future success. If we sound like a fit and you’re ready to start an exciting career with an organization that encourages employee growth, apply today! We look for bright, energetic, motivated individuals who are interested in learning and developing their career.