NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.
Key Responsibilities:
- Build predictive models to optimize lending decisions by using advanced statistical modeling and simulation techniques
- Use advanced data analytics to understand consumer risk behavior trends, their impact on the portfolio, and resulting business opportunities
- Establish key performance metrics and develop automated reporting dashboards using SQL and Python
- Design A/B testing for models and underwriting strategies, evaluate impact, and provide recommendations
Ideal Candidate Will Have:
- Bachelor's in (or senior majoring in) math, statistics, computer science, engineering or related field
- Experience with data analytics and statistical modeling
- Experience with relational databases and SQL
- Programming experience with Python
- Strong quantitative and problem-solving skills with key attention to detail
Additional Pluses:
- Advanced degree in a quantitative discipline (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
Benefits:
- Start and end dates are flexible to accommodate for the student’s academic calendar
- Flexible, remote work
- Fun, fast-paced work environment
- Dynamic start-up culture
- Ability to make an immediate impact in a growth-stage company
- Networking with full-time employees who are well-connected in Chicago and fintech community
- Convenient downtown Chicago office located in the heart of the city
- Equal opportunity employer
IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.
Top Skills
What We Do
EDGE is a data and analytics platform that harnesses bank transaction data to measure consumer credit risk. Founded in 2021, EDGE is part of a larger family of FinTech brands that sits underneath our parent company, NinjaHoldings (www.ninjaholding.com). NinjaHoldings’ brands also include CreditNinja, an online consumer lending business, and NinjaCard, a neobanking platform focused on consumers in the emerging credit space.
At our core, Edge is a cash flow bureau (versus a credit bureau). We have proprietary technology and data sets that allow us to extract predictive features from granular bank transaction data and measure the risk of a consumer. Our solutions are built on a massive data lake that uniquely combines performance data from over $500 million in loans with over 4 billion consumer-permissioned bank transactions, an “edge” that can only be replicated at considerable time and cost. We believe that we provide a benefit to lenders and consumers by providing a more accurate financial picture of consumers who are overlooked, or incorrectly scored by the traditional bureaus, ultimately opening up access to fairer, more accurately priced credit.
Why Work With Us
We believe that we provide a benefit to lenders and consumers by providing a more accurate financial picture of consumers who are overlooked or incorrectly scored by the traditional bureaus, ultimately opening up access to fairer, more accurately priced credit.
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