Global Credit Risk Data Scientist

About Us

At CNH, we're driven by a clear purpose: we serve and advance the people who feed and build a growing world.

As a global leader in agriculture and construction, we create the equipment, technology, and solutions that help our customers work more productively and sustainably. Our success starts with our people, and we foster a collaborative culture where innovation thrives and every employee has the opportunity to grow.

Grow a Career. Build a Future.

If you're ready to make an impact and build a career with purpose, there's a place for you at CNH.

Job Purpose

As Credit Risk Data Scientist, you will join our Global Risk team in CNH Industrial Financial Services. Being member of a global team, you should expect being involved with projects locally for AANZ and potentially other Global regions, supporting data science standards, ad hoc and periodical risk-centric projects with focus on preparing, managing, and analyzing multiple data sets, applying machine learning algorithms to create credit risk models, as well as following established policies and procedures for developing and distributing standard reports. Also, you are expected to collaborate with other risk team members and stakeholders from across the organization to initiate and implement creative business solutions which meet business needs. To be successful in this role, you must have very strong quantitative, logical, analytical, and problem-solving skills, being able to work with little supervision in a fast‐paced environment, and to handle multiple projects simultaneously.

Key Responsibilities

Apply statistical modeling and Machine Learning (ML) techniques on big data to develop, refine and implement retail/commercial lending models as well as associated alignments and cutoffs for all regions. Models include but are not limited to origination, behavior, collection, financial, bureaus, delinquency, fraud, losses, and auto-approval

Work with IT to create/improve and keep structured data, perform data maintenance and management on daily basis, and consult on best practices for data retention

Work to strengthen/increase partnership with external data suppliers worldwide, expanding our options to improve the prediction power of our models

Assess tools/data purchased to support risk management plus tools used by outside vendors or partners

Perform ad hoc analyses of business situations, systems, issues, and problems as well as research and test new technologies for risk mitigation

Provide and present the results of analyses in the form of graphs, charts, and tables, in high quality fashion and acceptable format, for management, peer and audit reviews

Document and maintain all procedures and models steps

Validation and monitoring of risk tools and their application in underwriting, collection, or other user areas

Experience Required

•    Minimum of 2 years of experience creating/applying advanced algorithms and/or statistical models such as (machine learning techniques, Logistic regression, hazard rate, time series, Simulation, etc.)
Skills:
•    Strong programming knowledge (Python, SAS, R, and others)
•    Strong knowledge and experience in Big Data
•    Strong interpersonal, written, and verbal communication skills
•    Advanced ability to perform exploratory data analysis
•    Problem solving skills and ability to propose and implement creative solutions
•    Ability to work both independently and as part of a team
•    Analytically oriented with strong logical and quantitative skills
•    Knowledge and leadership to carry projects
Preferred:
•    Capital goods Industry experience including basic understanding of the network and dealer/end user customer dynamics
•    SAS, Data Warehouse/Big Data Knowledge 
 

Preferred Qualifications

Bachelor’s degree or MBA in a quantitative discipline or related fields (e.g. Analytics, Data Science, Statistics, Mathematics, Economics, Finance, Engineering, etc.)

What We Offer

We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.

At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including:

• Flexible work arrangements
• Savings & Retirement benefits
• Tuition reimbursement
• Parental leave
• Adoption assistance
• Fertility & Family building support
• Employee Assistance Programs 
• Charitable contribution matching and Volunteer Time Off