Who is Credible?

We believe life’s changes create financial needs for people and that the traditional financial system often puts up unnecessary obstacles. People celebrate major milestones like going to college, getting married, and buying a home. And most of the time, these milestones come with financial implications.

At Credible, we have built a company with the mission of bringing transparency, choice, simple processes, and savings to accessing credit for life’s important moments. What you see is what you get. We are committed to being upfront, honest, and clear about your options. There are no mysteries, no hidden fees, and no secret clauses.

Credible is a fast-growing Fintech company that has world class management, has raised multiple rounds of funding, is generating significant revenue, and is disrupting the lending market and helping people save money and get out of debt faster.

About the Role:

Our Business Intelligence and Analytics team is seeking to grow the company’s Data Science and Machine Learning capabilities across several facets of our business. We are seeking a seasoned Data Scientist to lead this transformative step change function and nurture its growth across several focus areas. As the first Data Scientist explicitly focused on statistical modeling and ML projects, you will drive tactical and strategic execution, and eventually lead all ML projects and Data Scientists on the team.

Responsibilities:

  • Drive the long-term statistical modeling and machine learning vision of the company 
  • Conduct analyses to develop and improve our product recommendation and user classification systems. Use this understanding to help optimize our adaptive user experience, cross selling initiatives, and retargeting efforts
  • Develop lead scoring models and methodologies to predict Lifetime Value
  • Design, prototype, and implement models across several domains. Manage each part of a project’s life cycle, including ad-hoc exploration, preparation of training data, model development, and production deployment
  • Help define and implement a framework of continual innovation within the ML infrastructure and orchestrate a continuous cycle of learning, inference, and observation
  • Partner with engineers to develop ML pipelines, and maintain high system availability and reliability
  • Work with product and marketing managers, analysts, and engineers to turn insights about our users into automated services
  • Mentor junior scientists and engineers

Education and Experience:

  • BA/BS in Mathematics, Statistics, or Computer Science required. Masters Degree in a quantitative or scientific discipline strongly desired
  • 7+ years experience in developing, testing, and deploying optimized predictive models (preferably to inform in-product recommendation systems and automated customer re-targeting efforts)
  • Advanced statistical modeling skillset (Python, R, etc)
  • Advanced SQL querying, data mining, and data cleansing skillset
  • Deep knowledge of supervised and unsupervised machine learning algorithms (neural networks, decision trees, etc.) 
  • Advanced knowledge of experiment design
  • Experience using AWS Sagemaker, TensorFlow, or Kubeflow
  • Hands-on experience with cloud infrastructure tools (EC2, S3, Redshift, Snowflake, containers)
  • Advanced visualization/reporting and presentation experience
  • Version Control Experience (GitHub)
  • Deep and current knowledge of ML infrastructure (ETL, tools, new products in the space)
  • Excellent strategic project planning skillset
  • Excellent communication skills (written and verbal)
  • Experience at an e-commerce or fintech company a plus

Nice to Have:

  • Ability to develop project plans and deliver results against quarterly and annual roadmaps
  • Comfortable working with loosely defined requirements where you exercise your creativity and analytical skills to deliver best in class solutions
  • Excellent written and verbal communication. Ability to articulate vision, complex thoughts, analytical processes, and results in clear business terms
  • Anticipate business needs and think with a business owner mindset – think critically about analyses and solutions and provide improvement recommendations. This role requires an individual who can work autonomously
Why work at Credible?

We are a fast moving group of people who really care about impacting the lives of our customers. We empower our employees to make decisions, take risks, drive our business, and make changes when we don’t get it right. These are our values: 
  • Exceed Customer Expectations: We provide an exceptional experience to each and every customer that compels them to share it with others. 
  • Take Ownership: We are trusted to make decisions that are in the best interests of our customers and our business. We think and act like owners. We care – and that makes all the difference. 
  • Be Curious: We are curious, ask questions, seek to understand, and try new things. 
  • Do the Right Thing: We earn trust by being transparent, respectful, and honest with each person with whom we interact. 
  • Get Results: Results fuel our excitement and we know how our personal accomplishments tie to the success of the company.
  • Be Bold: We are courageous and take risks that scare us. Our enthusiasm for experimenting is how we will find the next breakthrough.
Our benefits: 
We offer competitive compensation, generous benefits, free food, and a flexible vacation policy. But mainly, you want to work at Credible because you believe in our mission and want to have a major role in delivering on it! We look forward to getting to know you.
 
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. 

Apply for this Job

* Required

  
  


Voluntary Questions

Below is a set of voluntary demographic questions that are part of our inclusion tool. If you choose to fill them out, the responses will be used (in aggregate only) to help us identify areas for improvement in our process. Your responses, or your choice to not respond,  will not be associated with your specific application and will not in any way be used in the hiring decision.

I identify my gender as:





I identify as transgender:




I identify my sexual orientation as:






I identify my ethnicity as (mark all that apply):











Veteran Status:




I have a physical disability:





U.S. Equal Opportunity Employment Information (Completion is voluntary)

Individuals seeking employment at Credible are considered without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements.

Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.


Form CC-305

OMB Control Number 1250-0005

Expires 05/31/2023

Voluntary Self-Identification of Disability

Why are you being asked to complete this form?

We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years.

Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.

Disabilities include, but are not limited to:

  • Autism
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, or HIV/AIDS
  • Blind or low vision
  • Cancer
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or hard of hearing
  • Depression or anxiety
  • Diabetes
  • Epilepsy
  • Gastrointestinal disorders, for example, Crohn's Disease, or irritable bowel syndrome
  • Intellectual disability
  • Missing limbs or partially missing limbs
  • Nervous system condition for example, migraine headaches, Parkinson’s disease, or Multiple sclerosis (MS)
  • Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression

1Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.