• Operate as a bridge between the Data team and Risk team - not just to maintain what exists, but to explore what's possible. • Deeply understand Risk's problems, priorities, and workflows rather than delivering models over the fence • Build analytical and machine learning models that drive business decisions across our insurance/actuarial functions - including next-generation approaches that challenge industry conventions • Partner with our risk and insurance team to support loss modeling, pricing analyses, and portfolio performance metrics, while identifying novel data sources that haven't been leveraged in this industry • Design and run experiments (e.g. A/B tests, causal inference analyses) to measure product and pricing impacts • Translate complex analytical findings into clear recommendations for non-technical audiences • Dig into data, identify patterns, and move quickly from question to insight to action

• Design, build, and maintain scalable data pipelines to ensure reliable, timely access to core product and business data. • Define and develop core metrics to measure product performance, feature adoption, user engagement, and strategic initiatives. • Build and maintain interactive dashboards in Tableau (or similar BI tools) to deliver clear, actionable insights to product and business stakeholders. • Design and analyze experiments (A/B tests) to evaluate new features and product changes. • Translate complex data into clear, actionable insights using statistical analysis and visual storytelling. • Collaborate cross-functionally with product managers, engineers, designers, and executives to drive impact through data. • Proactively identify trends, anomalies, and opportunities hidden in user behavior and market dynamics.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description We find actionable insights in our clients’ loyalty data that help drive enterprise value. We create real time dashboards to inform internal and external stakeholders. - Play a key role for delivering data-driven, actionable customer insights that directly contribute to increased sales/profit through our clients’ customer loyalty programs. - Collaborate closely with Strategy and Client Services teams to align on client objectives and deliver impactful results. - Provide actionable recommendations that drive business objectives by drawing out key insights from in-depth, complex data sources. - Manage all aspects of performance and development of direct reports to encourage professional growth. - Oversee customer data requests; scope and prioritize these requests, and lead a team to analyze and present data. - Develop data visualizations and narratives that make data and analysis consumable by all levels and expertise of internal and external stakeholders. - Collaborate with Data Engineering and Business Intelligence teams to design and develop new tools, models, and data sources. - Proactively create learning agendas, test plans, and solutions that maximize key KPIs such as incremental ROI and LTV. Qualifications - 6-9+ years previous relevant customer analytics and/or marketing/CRM experience. - Great storyteller with data that can influence senior stakeholders with insights and recommendations. - Familiarity with data exploration and data visualization tools like Tableau, PowerBI, or Sigma. - Demonstrated success using customer segmentation techniques such as RFM, cluster analysis, and regression modeling. - Solid project management skills and experience in juggling multiple projects at a time. - Bachelor’s Degree in Statistics, Marketing, Economics, or Computer Science. - Python/SQL programming experience preferred. - Master’s in Statistics, Economics or Applied Mathematics, or MBA, preferred. - Proficiency in fundamental marketing and loyalty principles, preferred. Benefits - Robust health insurance and benefits options. - Free fitness programs like FitOn. - Generous vacation time. - Comprehensive people strategy for career growth. - Competitive pay, 401k matching, annual profit sharing, and bonuses. Company Description Kobie is a mission and values driven company focused on growing enterprise value through loyalty for our clients. We have created a fun, high-trust, transparent workplace that emphasizes leadership and ownership.

• Be part of a high-impact fintech data science team building ABIs credit models, credit decisioning systems, and ML-powered infrastructure that drive billions of dollars in credit transactions annually for millions of users worldwide. • Design, develop, and deploy statistical and machine learning models across the full lifecycle — from research and experimentation to production — with a focus on credit risk, underwriting, portfolio optimization, and experimentation. • Write a substantial amount of production-grade code while conducting deep analytical and statistical research, translating theory into practical improvements in live credit systems. • Lead and contribute to experimentation and model evaluation (offline analysis, simulations, and online tests), ensuring models are robust, explainable, and aligned with regulatory, risk, and business constraints. • Work with industry-leading technologies and modern ML platforms, building scalable modeling and data workflows that operate reliably at global scale. • Collaborate closely with exceptional engineers, product managers, analysts, and business stakeholders. • Continuously explore and adopt state-of-the-art methods in statistics, machine learning, and optimization, raising the technical bar and shaping best practices across the fintech data science organization.