Data Scientist - Portfolio Risk New

About PagayaPagaya is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and a sophisticated AI-driven approach, Pagaya provides comprehensive consumer credit and residential real estate solutions for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. Pagaya has offices in New York and Tel Aviv. For more information, visit pagaya.com.About the Role & ResponsibilitiesPagaya is seeking a motivated Data Scientist to join our Portfolio Risk Analytics team. In this role, you will work at the intersection of advanced analytics, machine learning, and consumer credit innovation, helping to develop cutting-edge risk assessment tools and frameworks that power our consumer credit platform.ResponsibilitiesDevelop and refine tools to assess credit risk and predict consumer lending outcomesConduct exploratory data analysis on large, complex datasets to uncover meaningful insightsCollaborate with cross-functional teams to translate business requirements into analytical solutionsAssist in the preparation of technical reports and presentations for senior leadershipSupport the ongoing monitoring and improvement of existing predictive modelsRequirementsBachelor's degree- Data Science/ Statistics/ Computer ScienceStrong programming skills in Python and/or RProficiency in statistical analysis and machine learning techniquesBasic understanding of credit risk fundamentalsExcellent analytical and problem-solving skillsStrong communication abilities to explain complex technical conceptsOur TeamPagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs, and we are now 500+ strong in New York, Los Angeles, and Tel Aviv.We move fast and smart, identifying new opportunities and building end-to-end solutions from AI models and unique data sources. Every Pagaya team member is solving new and exciting challenges every day in a culture based on partnership, collaboration, and community.Join a team of builders who are working every day to enable better outcomes for our partners and their customers.Our ValuesOur values are at the heart of everything we do. We believe great solutions are built through a great community.Advance Inclusion- We create a world where everyone can win, designing systems that better represent people and generate sustainable value for our employees, partners and investors.Be Accountable Together- We proudly own our actions and our results, taking initiative to ensure our work gets over the finish line as a team.Continuously Learn- We challenge ourselves for the sake of getting better as individuals, as teams, and as an organization to deliver for our partners.Debate and Commit- We respectfully and openly debate to strengthen our ideas and build shared conviction - once we decide, we go all in, together.Dream Big and Act- We boldly tackle complex problems, pressure-test solutions in real-time, and adapt with speed and energy.More than just a jobWe believe health, happiness, and productivity go hand-in-hand. That's why we're continually looking to enhance the ways we support you with benefits programs and perks that allow every Pagayan to do the best work of their life.Pagaya is an equal opportunity employer. Pagaya is encouraging diversity and actively seeking applicants from all backgrounds, as are committed to creating a diverse workforce together with an inclusive environment for all. Employment is decided on the basis of qualifications, skills, and business needs.