OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.

We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.

A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work in Chicago.

What you'll get to do: 

• Monitor customer portfolio and ensure adherence to the credit policy and procedures
• Design and implement comprehensive analysis to evaluate portfolio risk as part of the credit review process including impact analysis from strategy changes
• Leverage machine learning risk models and advanced analytics techniques to design long-term solution including enhancements of existing strategies and building new rules 
• Work with cross-functional team to identify credit risk improvement opportunities and build strategy to deliver incremental business value 
• Actively seek out opportunities to innovate by using non-traditional data and advanced analytic methodologies
• Build report to track funnel conversion and identify insights from performance metric; summarize and present findings and recommendations to senior leadership
• Conduct A/B testing when implementing new risk strategies or rolling out new product features
• Work in close collaboration with other data scientists and analysts in the team in model development phase and plan to implement relevant business strategies

What you'll bring to the team:

• BA/BS degree with specialization in business, finance, economics, statistics, computer science
• Strong analytical and data science skills including knowledge of Statistical concepts like Hypothesis testing, Confidence Interval, etc and Machine Learning techniques such as XGBoost, Random Forest, Linear Regression
• Hands on experience with data analytics/programming tools such as SQL, R/Python is required
• Strong problem solving skills, with demonstrated intellectual rigor as well as strong interpersonal and communication skill
• Aptitude and interest in learning about business processes, and applying data science techniques and analysis in improving key metrics
• Experience Interpreting analysis, test, and model results, and make informed recommendations across all levels of the business
• Experience in banking / consumer lending industry preferred
• Experience in risk analytics (model development, strategy and framework, scorecard development, documentation, validation, governance, implementation and automation etc.) will be a strong advantage
• Understanding of credit bureaus and non-traditional data providers will be a plus

Reports to: Manager, Credit

Job Level: Associate

The minimum salary for this role is $82,000. The total compensation package includes eligibility for performance-based bonuses as well as a 1-time equity grant based on level.

The actual offer, reflecting the total compensation package and benefits, will be at the company’s sole discretion, and determined by a myriad of factors including, but not limited to, years of experience, depth of experience, and other relevant business considerations.

EEOC Statement: 

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, or federal law or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.

OppFi is committed to the full inclusion of all qualified individuals. As part of this commitment, OppFi will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact our People team at [email protected]. 

Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/