Credit Decisioning Specialist

Credit Decision Scientist CRNCY · Senior · Remote · USD contractor Why this work matters Across 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. Mission Help 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 p