Quantitative Risk Researcher

Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most. Over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can't prove a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks.

We built an alternative called Credit. Since December 2024, it has issued hundreds of thousands of undercollateralized loans using stablecoins. People from around the world have used these loans to pay for things like groceries, medicine, and transportation. Backed by 6.6 million from Paradigm and Nascent, we're scaling a system that has already reached half a million unique borrowers. Help us take it to the next level.

About the role

We seek a talented individual to contribute to the risk engineering behind Credit, our leading undercollateralized lending system. You'll work on models that impact hundreds of thousands of users worldwide. You'll also develop tools for quantifying and monitoring risk.

Stack

Python

TypeScript

Grafana / Prometheus

Statistical modeling tools

SQL

Key responsibilities

Design, maintain, and optimize credit risk models

Analyze historical loan performance to calibrate risk parameters

Develop tools, alerts, and analytics to test, validate, and monitor risk and user behavior

Collaborate with engineering to implement quantitative models in production

Research and propose model improvements based on emerging data patterns

Requirements

Master's or Ph.D. in a quantitative field such as mathematics, statistics, economics

Strong expertise in credit risk modeling

Track record of developing risk models deployed in production at scale

Strong ability in Python, SQL, and programming for data analysis

Exceptional problem-solving skills and attention to detail

Nice to have

Experience with DeFi protocols, especially lending or credit systems

Familiarity with blockchain data indexing and onchain analytics

Experience managing and optimizing a loan portfolio

Divine Research is an equal opportunity employer.

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