Senior Data Scientist

Company Overview:One Park Financial (OPF) is a leading Financial Technology company dedicated to empowering small businesses by connecting them with a wide variety of flexible financing and funding options. Our mission is to provide entrepreneurs with the working capital they need to elevate their businesses to new heights. At OPF, we believe in working with high-performing individuals who are ready to play an integral part in our company's expansion. We know that our success hinges on our people, and we strive to enable them to do what they do best.Why Join Us? At OPF, we foster a dynamic and inclusive company culture that emphasizes collaboration, innovation, and personal growth. Our team is composed of passionate, driven individuals who are committed to making a difference. Here's what you can expect when you join our team: Innovative Environment: Work with cutting-edge technology and be part of a team that is constantly pushing the boundaries of fintech Professional Growth: We invest in our employees' growth with continuous learning opportunities, training programs, and career advancement paths Supportive Culture: Enjoy a supportive and inclusive work environment where your ideas are valued, and your contributions make a real impact Community Focus: Be part of a company that understands the importance of small and mid-sized businesses to their communities and the nation's financial health High-Performing Team: Join a team of badasses who are committed to excellence and are integral to our company's expansion and successAbout The RoleWe are looking for a seasoned Senior Data Scientist to join our Analytics team to enable core business transformation. This role is about building and pressure-testing the models and proposals that drive how we price, approve, and grow, and doing it with the statistical and analytical rigor to prove they work before they ship.You will own a production system end to end, helping operate and evolve our proprietary risk-based pricing engine, the application that powers our real-time offer decisioning.You will work closely with business stakeholders to understand problems and propose & implement AI/ML solutions, and you will partner with DevOps, Product, and Engineering to take models from notebook to production.You will lead the charge in A/B testing within the organization and design experiments to prove success. You will perform EDA, identify modeling opportunities, feature engineer & ETL data, implement models and their monitoring, and highlight opportunities for change.We are an AI-forward company, and we expect our data scientists to work that way. We want someone who leans on modern AI and LLM tooling to make their own analysis, modeling, and experimentation faster and sharper, not someone who does things the slow, manual way.We want to work with high-performing badasses who will play an integral part in our transformation of the company. We understand one thing: it all comes down to working with creative & committed people and enabling them to do what they do best.ResponsibilitiesUtilize advanced statistical and machine learning techniques to analyze large datasets and build new AI/ML modelsDevelop and pressure-test pricing and credit proposals end to end, with the statistical and analytical rigor to prove they will work before they ship. These won't always be models; sometimes the answer is a well-tested policy changeConduct exploratory data analysis, feature engineering, and data preprocessing to solve business problemsOwn, operate, and enhance our proprietary risk-based pricing engine (a production Python application), including its models, business logic, deployment, and monitoringFacilitate the deployment and monitoring of models for real-time and batch processingOwn strong model governance: clear documentation and versioning, ongoing monitoring for drift and degradation, regular validation, and a defensible audit trail across the model lifecyclePartner with DevOps, Product, and Engineering teams to ship models and features to production, owning the rollout from staging to production, including CI/CD, monitoring, and rollbackPerform model evaluation and validation on a regular basis to ensure robust performanceEngineer A/B tests with scientific rigor. Gather test data and validate results to present to business stakeholdersUse modern AI and LLM tooling to speed up your own work, from EDA and feature engineering to model prototyping, documentation, and testingChampion creative uses of existing data to solve business problems with intellectual curiosityProduce statistical and data analysis visuals (charts, infographics) to communicate findings clearly and effectively to a non-technical audienceCollaborate with team members, product managers, and business stakeholders to identify opportunities for new and innovative AI/ML solutionsAnalysis areas could include Onboarding Credit, Ongoing Credit, Marketing segmentation, Voice-based analysis, Text mining, Sentiment analysis, Risk quantification, and Risk-based pricingRequirements4-7 years of experience in Data Science and the Financial Industry, preferably in Credit or LendingMaster's degree in mathematics, statistics, computer science, or data scienceExperience in transforming existing processes with AI/ML-based approachesProficiency in data manipulation. Excellent SQL and Python skills for data wrangling and ETLHands-on AWS / cloud experience deploying and operating production ML services (compute, storage, IAM, containerized deployment)Experience building or maintaining production applications and services, not just models in notebooks. You should be comfortable owning software in productionExperience with dashboard tools such as PowerBI or other visualization toolsExperience building credit or risk models for Financial Services, Lending, or InsuranceExperience in validating models to identify ongoing improvementsRock Solid data science skillset: Exploratory Data Analysis, Feature Engineering, Fitting, Tuning, and Comparing models, and managing the model LifecycleExperience with statistical modeling and data analysis using programming languages such as PythonExperience in ML engineering, cloud-based deployment, and machine learning model lifecycle managementKnowledge of best practices for financial and lending models (model risk management, model governance, and fair-lending considerations) is a big plusComfort using modern AI and LLM tools to make your own analysis and modeling more efficient (a plus)Experience with dbt (major plus)BenefitsCompetitive salaryLocal & National Health InsuranceDental and Vision insuranceGroup Medical Bridge401k with MatchID Protection: 100% covered by the companyLife Insurance: 100% covered by the companyGenerous PTO and holidaysGrowth and development opportunitiesDynamic and collaborative work environmentCompany events and team-building activities