FloatMe

• You will be a senior individual contributor building and evolving the ML systems behind these products. • You will work across the full modeling lifecycle: problem formulation, feature development, training, calibration, experimentation, deployment, monitoring, and iteration. • Build, evaluate, and maintain underwriting and decisioning models. • Design and evolve underwriting decision frameworks, including the modeling, automation, policy logic and amount assignment that manage exposure over time. • Design and run experiments to evaluate model performance, measure impact on approval rates and loss, margin and inform underwriting policy decisions. • Develop deep understanding of consumer behavior, repayment dynamics, and portfolio structure, and use that to inform model design and decision logic. • Contribute analysis and perspective that inform portfolio-level decisions, including explaining model behavior, tradeoffs, and uncertainty to senior technical and business leaders. • Develop and maintain the key portfolio KPIs and inventory of periodic analysis to continuously identify risk and growth opportunities. • Collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure underwriting systems reflect business goals and regulatory expectations.

• Develop, build, and operationalize our credit portfolio focused on balancing growth vs. risk with an end goal of minimizing our loss rate. • Optimize our efforts to reduce bad debt and loss rates across current and future FloatMe products while delivering on our business goals. • Drive our credit risk philosophy for new and existing customers, understanding different levers and acceptable risk. • Work with our internal Data Engineering team to improve our processes and learnings through machine learning. • Consistently review data and deliver results on credit risk, user trends, and adjust our thresholds accordingly. • Partner cross-functionally with Finance, Compliance, Product, Engineering and Member Support to reduce bad debt while keeping our users top of mind.