About Us
We are reinventing consumer credit. We wildly reduce the cost of capital by using technology to easily tap into people’s assets. Our first product is the world's cheapest credit card – backed by home equity. Using many patented technologies, we sped up a process that usually takes 4-6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get.
The Team
We are a well-capitalized (over $250MM in equity funding) team of technology (Square, Microsoft, Facebook) and finance (Discover, CapitalOne, Goldman Sachs) executives with top-tier investors – Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, SciFi VC, Caffeinated Capital, etc.
Our team includes people who have built:
Financial products (Square/CashApp, the earliest CapitalOne credit cards)
Consumer products ( Internet.org , Xbox)
Technology infrastructure (Visual Studio, Windows & Azure, helped design the C++ & C# languages)
Mathematics & science infrastructure (computational research at NASA’s JPL)
We are missionaries who like to work hard on important problems - and build products that become infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have an infinite impact on people’s lives.
Job Brief
We are seeking a highly experienced, creative, and analytically rigorous individual to fill a Credit leadership role within Aven. The role will hold primary responsibility for effectiveness of predictive modeling and minimizing credit losses for our products. The ideal candidate will possess a strong background in credit management, risk analysis, and strategic decision-making, along with exceptional prior success in past roles.
Who we are looking for:
Proficient in credit modeling
Considered as a go-to-expert for deep insights as well as the first person to be signed up to solve new credit problems for their company
Prolific at switching contexts and operating across the entire stack of work - from loan-level decisions to shipping credit models to engaging soundly with regulators and capital partners
Built and deployed credit risk models to production environments
Thrive in engaging with engineers, data architects, and DevOps colleagues.
Shipped models with step-change improvements in AUC/ROC/KS
Requirements:
10+ years of experience in consumer credit modeling or risk management within a major bank or fast growing Neo-bank / Fintech
Previously taken on this responsibility and have demonstrated and established your ability to shape the direction of credit trends in your portfolio
Proficient at SQL and experienced in Python
Deep understanding & experience in statistics, experiment design, and machine learning techniques
Master's degree or Ph.D. in Computer Science, Mathematics, or EE/ECE from a top tier institution
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