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Umbrex · 3 days ago

Credit Risk & Pricing Modeler — Auto Lending (U.S.)

United States

Contract

Remote

Senior Level, Lead/Staff

Umbrex is a U.S.-based consumer credit lender focused on auto lending. They are seeking a senior credit analytics expert to build and validate credit loss and pricing models, leveraging internal and external data to enhance risk assessment and pricing strategies.

Management Consulting

Hiring Manager

María Fernanda Salas Sánchez

Responsibilities

Build and validate new credit loss and pricing models

Use internal performance data plus external bureau data to improve how the lender assesses risk and prices loans

Test, iterate, and help operationalize the models in production

Evolve work into more advanced pricing approaches, including pricing strategy and elasticity modeling

Qualification

Credit loss modelingPricing modelingPythonMachine LearningAdvanced analyticsAuto lendingSubprime credit experienceNear-prime credit experienceIndependent execution

Required

Hands-on expert in consumer credit loss + pricing modeling (Python / ML / advanced analytics)

Auto lending preferred; unsecured consumer lending (credit cards / personal loans / BNPL) acceptable

Experience in subprime / near-prime credit environments

Senior enough to define the approach, scope the workplan, and execute independently

Prior titles may include: Head of Credit Risk/Credit Analytics, Chief Credit Officer, Chief Analytics Officer, Principal Data Scientist / Model Engineer