Develop and deploy AI and machine learning models for loan eligibility, risk scoring, fraud prevention, and default prediction specific to short-term lending operations.
Analyze large volumes of customer and transactional data to uncover insights that optimize underwriting and repayment processes.
Collaborate with finance, risk, and operations teams to identify automation and predictive opportunities within the cash advance workflow.
Integrate AI-driven decisioning into loan management systems and CRM tools.
Build and refine predictive models to ensure compliance with US lending regulations and company policies.
Continuously monitor, test, and retrain AI models to maintain accuracy and reduce bias in lending decisions.
Document AI models and data pipelines, ensuring transparency and auditability in line with financial compliance requirements.
Evaluate and implement emerging AI technologies that can enhance fraud detection, KYC validation, and credit risk assessment.
Skills and Qualifications
Bachelor’s or master’s degree Computer Science, Artificial Intelligence, Data Science, or Financial Engineering.
3+ years of experience in AI or machine learning, preferably within consumer lending, fintech, or financial services.
Strong programming skills in Python, R, or Java, with hands-on experience using TensorFlow, PyTorch, or scikit-learn.
Solid understanding of credit risk modeling, loan underwriting, and financial data structures.
Experience with data visualization and analytics tools (e.g., Power BI, Tableau, or Matplotlib).
Familiarity with US financial regulations, data privacy standards, and ethical AI practices.
Excellent analytical, problem-solving, and communication skills.
Requeriments
Experience in US Cash Advance, payday loans, or small-dollar lending operations.
Knowledge of fraud analytics, identity verification AI, and automated decisioning systems.
Familiarity with NLP for customer service chatbots or sentiment analysis in collections.
Experience in deploying AI models in cloud environments (AWS, Azure, or GCP).