Join Zepz: Breaking Down Borders, Together

We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and  Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.

• Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other.
• Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering.
• Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve.

We're excited to welcome a Data Scientist to our team ! We value diverse perspectives and are looking for someone who can bring their unique skills to help us assess and manage consumer 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 consumer credit risk management.

• 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, especially for consumers with “thin credit files”.

• 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 and communicate effectively with cross-functional teams, including Engineering, Data, Product, and Finance.

Bonus Points 

• 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.

Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.