Credit Strategy Lead - QuickBooks Capital - Mountain View , California, United States, 94039

Overview One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That?s how we power prosperity.
QuickBooks Capital is a nimble and high-priority start-up within Intuit that is looking to reinvent small business borrowing. We are looking for team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply.
  • This role teams up with our credit modeling, underwriting, data engineering teams closely to drive customer segmentations, develop innovative credit strategies, perform portfolio analyses, and build and update monthly reports for QuickBooks Capital products
  • Use big data technology to mine massive scale transactional data to improve our current credit strategies and design new risk-adjusted products
  • Develop solutions to improve data quality and usability, provide analysis on different level of data aggregations, and make judgmental decision on data structure and feature generation process
  • Dive deep into our lending portfolio performance and consolidate analytics insights/dashboards to present in front of business audience and senior/executive leaders
  • Design, implement, and monitor testing to explore new methodologies and estimate key metrics for our acquisition strategies and credit policy
  • Work collaboratively with other business partners (product development, marketing, data engineering, compliance, underwriting team etc.) to implement and execute new credit policy
  • Actively contribute creative ideas to design new financing products for our QuickBooks customers
  • MS/PhD in quantitative fields such as Statistics, Operational Research, Industry Engineering, Economics etc. Or Bachelor Degree in same fields with 5+ years working experience
  • 3+ years working experience in an analytics related role. Lending or Fintech experience strongly preferred
  • Have a track record of diving into data and drive data insights for business needs both quantitatively and qualitatively
  • Proficient in one of the following analytics tools, such as Python, R, and SAS.
  • Advanced Excel skills with strong logical and SQL/relational database query skills
  • Familiar with big data technology such as HIVE, Hadoop and other related concepts
  • Excellent communication skills and ability to learn fast, and confidence in taking ownership and passion in driving changes in a fast-paced working environment
  • Having risk related domain knowledge, such as credit bureau attributes and scoring, scorecard modeling, pricing, loss forecasting, collections and fraud detections