- Company Name
- Fundo LLC
- Job Title
- Chief Data Scientist
- Job Description
-
**Job Title:** Chief Data Scientist
**Role Summary:**
Lead the design, implementation, and continuous improvement of AI‑driven risk and underwriting systems for a fintech platform. Own end‑to‑end risk strategy, build predictive models, optimize portfolio performance, and embed data science into automated decision‑making workflows.
**Expectations:**
- 8+ years in risk management, underwriting, or credit analytics (fintech or specialty finance).
- Proven record of building and scaling AI/ML credit models, scorecards, and pricing optimization frameworks.
- Demonstrated ability to lead and grow high‑performing data science and risk teams.
- Strong analytical, communication, and stakeholder‑management skills.
**Key Responsibilities:**
1. Design, develop, and maintain risk scorecards, credit underwriting models, and offer‑calculation engines using advanced ML/AI techniques.
2. Define and lead the comprehensive risk framework (credit, operational, portfolio).
3. Develop and continuously optimize risk‑adjusted return strategies across customer segments and products.
4. Incorporate alternative data (bank, cash‑flow, behavioral, third‑party) into feature engineering and model training to improve predictive accuracy.
5. Collaborate with Product, Engineering, and Finance to embed models into automated decisioning pipelines.
6. Build monitoring and early‑warning systems for fraud, anomalies, and emerging risk patterns.
7. Establish strategic roadmap for AI adoption across risk and compliance functions.
8. Lead and mentor the Risk & Underwriting data science team.
9. Deliver regulatory‑compliant reporting and insights to internal stakeholders and capital partners.
**Required Skills:**
- AI/ML modeling (regression, ensemble methods, neural networks, decision trees)
- Programming: Python, R, SQL; data manipulation (pandas, dplyr)
- Data engineering & pipeline design
- Risk modeling: loss forecasting, risk‑adjusted pricing, portfolio analytics
- Knowledge of cash‑flow and alternative‑data underwriting
- Model deployment and production monitoring
- Strong analytical reasoning and quantitative problem solving
- Effective communication and stakeholder engagement
**Required Education & Certifications:**
- Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, or related field.
- Professional certifications in data science, ML, or risk management (e.g., CFA, FRM, Data Science Certificate) are a plus.