Decision Scientist

Decision Scientist CRNCY · Remote · Contract

Why this work mattersAcross the developing world, access to credit still depends on paperwork most people can't produce. A teacher six years in the same job. A vendor who has run the same stall for a decade. Creditworthy, both — and illegible to a system built for someone else. CRNCY exists to close that gap, using technology to open doors for the people who need them most. Every rule you write here decides who gets through. MissionHelp CRNCY become the world's best underwriter of credit risk using unstructured and alternative data. We operate in markets where customers often have limited traditional credit information. Our objective is to make better lending decisions under uncertainty and continuously improve risk-adjusted profitability. What You'll Do• Analyze portfolio performance and identify opportunities to improve profitability through credit strategy. • Model the probability of repayment, default and fraud from incomplete and alternative data, and build the statistical inference behind it. • Turn that analysis into the credit rules themselves: approval strategy, underwriting requirements, first-loan sizing and customer segmentation. • Optimize underwriting requirements and reduce unnecessary customer friction. • Design and assess experiments to improve lending outcomes. • Quantify trade-offs between growth, risk, customer experience and profitability. • Translate analysis into practical underwriting and portfolio recommendations.

You do this work yourself. There is no analytics team to delegate to. You frame the question, build the analysis, and own the decision that results from it. How We Work• Honest and direct. Feedback here is unvarnished and immediate. You'll get it, and we expect it back. • Unafraid to fail. Most of what you test won't work. We would rather run the experiment and find out than defend a rule nobody has questioned. • Committed to excellence. High standards, applied to ourselves before anyone else. • Dedicated to the customer. The person on the other side of the decision is the reason the work matters.

The Setup• You'll work directly with our credit and finance leadership and with the founder. Short path from analysis to decision. • Real ownership from day one, across multiple markets.