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Senior Credit Risk Modeler

Senior Credit Risk Modeler

QcellsSanta Clara, CA, US
9 days ago
Job type
  • Full-time
Job description

Description

POSITION DESCRIPTION

EnFin, a subsidiary of Qcells, the leading manufacturer of residential solar panels in the USA, is a financial services company dedicated to making solar energy accessible through innovative financing solutions. Headquartered in Irvine, California, EnFin provides competitive residential solar loans and third-party owned (TPO) products, empowering homeowners to manage energy costs while supporting solar installers’ growth. EnFin delivers seamless, affordable financing options to its extensive dealer network and customers. Join a mission-driven team focused on renewable energy and cutting-edge financial solutions, where your contributions will drive impactful change in the clean energy sector.

We are seeking a detail-oriented Senior Credit Risk Modeler with expertise in analyzing credit data to assess creditworthiness, mitigate risks, develop predictive models, generate reporting and support lending decisions. The ideal candidate will have a strong analytical mindset, experience with consumer credit bureaus, a proven track record in model development, analytics and advanced skills in data manipulation and report generation.

This position will be based out of one of our offices in Irvine, CA; San Francisco, CA; Santa Clara, CA; Teaneck, NJ; with a potential in-office schedule set at the direct manager’s discretion in accordance with the company policies and procedures.

RESPONSIBILITIES

  • Perform risk assessments and recommend credit lending criteria based on thorough analysis of consumer information, credit data and model outputs.
  • Build and maintain predictive models and predictive analytics to support credit lending decisioning and risk assessment.
  • Leverage advanced SQL, SAS and Python skills for data manipulation, processing and analysis to support credit decisions.
  • Utilize credit bureau data (e.g. Experian, Equifax, TransUnion) to assess risk profiles, generate predictive analytics and tools such as statistical models for use in evaluating risk.
  • Analyze credit and consumer data and evaluate the creditworthiness of individuals or businesses.
  • Design and generate reports to provide actionable insights for lending teams and stakeholders.
  • Collaborate with lending teams to provide insights and support decision-making processes.
  • Ensure compliance with regulatory requirements and internal credit policies.
  • Prepare detailed reports and presentations summarizing credit analysis findings and model performance.
  • Stay updated on industry trends, credit scoring models, and changes in credit bureau reporting standards.

REQUIRED QUALIFICATIONS

  • Bachelor's degree in Statistics, Mathematics, Economics or a related field, with a minimum of 8 years of professional work experience including 3+ years of experience building predictive models or in a similar role working with credit data and credit bureau data.
  • Proven experience in building predictive models such as XGBoost, Light GBM, Logistic Regression for credit lending decisioning.
  • Demonstrated expertise in designing and generating reports for portfolio and credit analysis.
  • Advanced proficiency in SQL, SAS or Python for data manipulation, processing and analysis.
  • Proficiency in working with credit bureau data and attributes from major credit bureaus (Experian, Equifax, TransUnion).
  • Strong analytical skills with the ability to interpret complex credit and financial data and model outputs.
  • Familiarity with credit scoring models, function and design and risk assessment tools.
  • Excellent attention to detail and problem-solving abilities.
  • Proficient in Microsoft Excel; experience with data visualization tools (e.g. Tableau) is a plus.
  • Strong communication skills, both written and verbal, to present findings clearly to stakeholders.
  • Knowledge of regulatory requirements (e.g., FCRA, ECOA) related to credit underwriting and credit data is preferred.
  • Ability to work independently and manage multiple priorities in a fast-paced environment.

    • PREFERRED QUALIFICATIONS

  • Master’s degree in Statistics, Mathematics, Economics or a related field.
  • Experience with automated credit decisioning systems.
  • Understanding of lending products, including personal loans, mortgages, or commercial credit.
  • Solar Industry experience (Renewable).

    • Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions.  Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct-to-homeowner solar sales and financing, and EPC services.  We provide an opportunity to be part of an exciting and growing world-class global business in an interesting and expanding industry of the future.

    PHYSICAL, MENTAL & ENVIRONMENTAL DEMANDS :

    To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.

    Mobility

    Standing

    20% of time

    Sitting

    70% of time

    Walking

    10% of time

    Strength

    Pulling

    up to 10 Pounds

    Pushing

    up to 10 Pounds

    Carrying

    up to 10 Pounds

    Lifting

    up to 10 Pounds

    Dexterity   (F = Frequently, O = Occasionally, N = Never)

    Typing

    Handling

    Reaching

    Agility   (F = Frequently, O = Occasionally, N = Never)

    Turning

    Twisting

    Bending

    Crouching

    Balancing

    Climbing

    Crawling

    Kneeling

    The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.

  • This target salary range is for CA positions only and should not be interpreted as an offer of compensation.

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