Sr. Data Scientist

About the Role

The Global Risk Solutions and Strategy group is a fast‑growing team optimizing risk solutions and models. We help enable WEX’s strategic objectives by developing data‑science–based credit and fraud risk models. In this role you will work with advanced machine‑learning technologies and algorithms, collaborate closely with stakeholders and domain experts, and drive decision‑making across the firm’s products and services.

• Partner with stakeholders to understand credit risk management requirements and translate them into data‑driven solutions to measure and monitor credit risk across the firm’s products and services.
• Proactively identify and communicate challenges, opportunities, and risks associated with end‑to‑end model development and deployment life‑cycle to ensure timely completion of the entire product.
• Leverage advanced machine learning, artificial intelligence, and statistical methods and technologies to design flexible, scalable, and automated risk‑modeling solutions.
• Develop and review code and automated processes to extract credit‑risk patterns from large‑scale application and transaction data, behavioral patterns, and other risk indicators.
• Keep abreast with emerging trends in machine learning and identify opportunities to leverage new tools to solve problems and improve processes.
• Mentor and support junior data scientists, sharing knowledge and best practices to elevate the data science practice at WEX.

• Insights‑Driven:
  Clear hypothesis‑ and objective‑driven analytics that help drive decisions and ongoing metrics.
• Stakeholder‑Aligned:
  Understand the needs and audience for deliverables and communicate succinctly.
• Results‑Focused:
  Rigorous focus on how analytics drive end‑to‑end experiences with a clear path to production and measurable impact.
• Dynamic
  
  Collaboration:
  
  Continuously improve team best practices and processes to power collaboration.
• Quality Mindset:
  Ensure data and analytic quality is understood and accounted for from the beginning.
• Curiosity and Learning:
  Learn new technologies and teach others how to use them as necessary.

• 4+ years of professional experience in data science, machine learning, and artificial intelligence focusing on credit risk management in underwriting, behavioral surveillance, and loss prevention in the financial services industry.
• Master’s or Ph.D. degree in a quantitative field such as Mathematics, Statistics, Data Science, Operations Research, or Computer Science.
• Strong knowledge of credit‑risk drivers in small and medium‑sized businesses, public firms, and private firms, along with familiarity with data from external credit bureaus and internal risk‑management processes.
• Advanced knowledge of SQL and experience creating and managing large datasets to organize and extract useful information.
• Advanced knowledge of Python or R and experience with common data‑science libraries such as Light
  
  GBM, scikit‑learn, pandas, etc.
• Deep understanding of model‑deployment requirements for scalable solutions and real‑time feature stores.
• Deep expertise in statistical and machine‑learning techniques, including modeling, testing, inference, sampling methods, supervised and unsupervised learning.
• Strong communication and presentation skills with an ability to relate complex analytics findings to business outcomes.
• Adaptable and comfortable working collaboratively and independently in a self‑starting manner.
• Evidence of creative problem‑solving, critical thinking, and a continual learning mindset in credit‑risk management.

• Prior experience mentoring data scientists.
• Prior roles responsible for building underwriting and behavioral models.
• Knowledge of external intelligence sources, including third‑party data providers such as Lexis Nexis, Socure, and Dun & Bradstreet.
• Experience using cloud environments to develop advanced models, such as AWS Sage Maker.
• Experience with end‑to‑end machine‑learning systems and MLOps frameworks.

• Data Science
• Machine Learning
• Statistical Learning
• Artificial Intelligence
• Credit Risk
• Collections
• Transaction Monitoring
• MLOps
• Behavioral Analytics

$ – $ (annually)

• Health, dental, and vision insurance
• Retirement savings plan
• Paid time off
• Health savings account
• Flexible spending accounts
• Life insurance
• Disability insurance
• Tuition reimbursement

WEX is an equal‑opportunity employer committed to diversity and inclusion. All qualified applicants receive consideration for employment without regard to sex, race, color, age, national origin, religion, sexual orientation, gender identity, protected veteran status, disability or other protected status. WEX promotes a drug‑free workplace. Qualified individuals with a disability have the right to request a reasonable accommodation.