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Decision Scientist, Credit Risk

San Francisco, CA

Pomelo’s mission is to increase financial access and empowerment for immigrants and their loved ones back home. 

We are proud to be the first financial technology platform to combine consumer credit and global remittances. Our product solves the worst aspects of money transfer by empowering our customers to use credit rather than cash. At the same time, we help immigrants establish their financial future in their new country by building positive credit history with their existing remittance obligations and financially include their loved ones in emerging economies with access to modern financial instruments.

We’re a team of ~45 and are growing our San Francisco headquarters. Our investors include Keith Rabois of Khosla Ventures (formerly of Founders Fund, CEO at Opendoor, former COO of Square), Kevin Hartz (Co-founder/CEO of Xoom and Eventbrite) of A* Capital, The Chainsmokers, The Weeknd, and more.

Your Role

At Pomelo, we're excited to welcome a Decision Scientist to our Risk department! We value diverse perspectives and are looking for someone who can bring their unique skills to help us assess and manage credit risk. In this role, you’ll have a big impact by analyzing credit risk exposure, collaborating with different teams to improve our risk metrics, and developing machine learning models for credit and fraud risk. You’ll work closely with both internal and external partners to streamline our monitoring processes and contribute to our credit risk strategy and portfolio management in partnership with our Product and Finance teams.

What We’re Looking For

  • Experience: You have 5-8 years of experience in credit risk management or a related field.

  • Technical Skills: Proficiency in SQL and Python.

  • Credit Risk Expertise: Experience in formulating credit risk policies and making underwriting decisions.

  • Analytical Skills: Ability to assess customers' creditworthiness using diverse data sources and predictive analytics to set credit limits that balance growth with minimized risk.

  • Risk Monitoring: You’re skilled in monitoring and analyzing key loss indicators, identifying trends, and improving credit risk strategies to optimize approval rates, customer utilization, and loss performance.

  • Statistical and Analytical Tools: Proficiency in using statistical and analytical tools, including machine learning frameworks, for credit risk and fraud detection.

  • Organizational Skills: Strong organizational and project management skills, with experience managing multiple projects in a fast-paced environment.

  • Decision-Making: Ability to make sound, data-informed decisions in new and ambiguous situations with minimal guidance.

  • Reporting and Automation: Experience in supporting, building, and automating reports and operational processes.

  • Collaboration: Proven ability to work effectively with cross-functional teams, including Engineering, Data, Product, and Finance.

Bonus Points For

  • Growth Mindset: A passion for learning and growing, with a willingness to embrace challenges.

  • Fintech Experience: Experience in Fintech or startup environments is a plus but not required.

  • Education: An educational background in Finance, Economics, Statistics, Data Science, or a related discipline is beneficial but not a hard requirement.

Company Values

  • Earn the Trust of Our Customers
  • Be Relentless
  • Integrity in Every Language
  • Show Our Work
  • Leadership at Every Level

Benefits and Perks (FTE)

  • ❤️ A meaningful mission and an opportunity for direct societal impact. We’re putting real money back in the hands of the people who need it most and helping immigrants and their families realize the American dream.
  • 👥 An amazing team and culture. You’ll have peers from both top tech companies (e.g. Cash App, Google, Twitter, Uber) and other successful startups (e.g. Affirm, AfterPay, MemSQL). We empower each other to do great work and continue growing.
  • 💪 Opportunity for major impact, learning, and growth.
  • 🏥 Platinum-level health insurance (medical, dental, vision) — with 100% covered by the company for you and 50% for dependents. Assistance with life insurance. 
  • 👶 Parental leave for the primary or the secondary
  • 🌴 PTO: 3 weeks in your first year, 4 weeks thereafter, plus national holidays
  • ✈️ $1,500 annual travel stipend
  • 😌 $300 annual wellness stipend
  • 🚗 Pre-tax funds towards commuting costs
  • 🗺 Twice-a-year company retreats. Previous trips include skiing in Park City, getting sun and surf in Cabo, Mexico, and a cruise excursion to The Bahamas.
  • 🧳 After 4 years, eligible for a 4-week sabbatical
  • 🍽️ In Office Meals: Lunch, dinner, and snacks provided daily

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