Small Business Credit Analytics Lead

Summary

The Small Business team at Ocrolus uses our massive and unique dataset of cash flow, credit, and financial data from the market’s most sophisticated lenders to build highquality data products empowering lenders to make better credit, fraud, and operational risk decisions. This role will lead our efforts to mine internal, client, and partner data for unique insights and develop data products, predictive models, and analytical tools that leverage the power of the Ocrolus network. You will analyze large and unique datasets, interact as a subject matter expert with clients and prospects, and work with excellent colleagues in product, engineering, and revenue to bring transformational data products to market. If you are a curious, highagency analytics leader who wants to leverage your experience in SMB credit risk and strong technical skills to drive outsize impact, we want to talk to you!

What you’ll do

• Analyze large, diverse, and unique datasets around business cash flow, financial health, credit, marketplace dynamics, and repayment performance to unearth powerful insights and identify compelling product opportunities.
• Partner with Product, Engineering, senior management, and other stakeholders to develop and commercialize analytical and data products that will drive impact for our clients and gain adoption in the market.
• Lead Ocrolus’ analytical and data science efforts to research and develop new data and decisioning products, including mentoring colleagues from a business and technical standpoint.
• Interact with clients and prospects as a subject matter expert on small business credit and the Ocrolus suite of analytics and decisioning products.
• Develop robust, scalable, and efficient models, thoughtfully balancing algorithmic complexity against interpretability, customer needs, and delivery timelines.
• Translate ambiguous business challenges into welldefined data science problems
• Own the endtoend lifecycle of data science models, from data exploration and feature engineering to deployment, monitoring, and continuous improvement in production
• Examples of SMB analytics initiatives include: using LLMs to classify transactions into standardized categories, training gradient boosting trees to predict loan default probability and lossgivendefault based on transactional cash flow data, building an entity resolution system to match financial documents across time with a specific merchant, resolving data signals from across the Ocrolus network to build a comprehensive and contextualized profile of small business financial health and debt capacity

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  What you’ll bring

  • 7+ years of professional experience in risk management, analytics, andor data science, building decision strategies and buildingdeploying predictive models in a production environment
  • Significant knowledge of small business credit, including underwriting, pricing, and portfolio management
  • Experience and curiosity with using LLMs and cuttingedge AI tools to create novel products and solutions
  • Full stack datascienceanalytics experience: ideating, building, deploying, monitoring, and maintaining production ML models that solve realworld needs
  • Deep understanding of statistics, probability, and machine learning algorithms
  • Strong software engineering and data engineering fundamentals. Excellent programming skills in Python and proficiency with core data science libraries (e.g., pandas, scikitlearn, Hugging Face)
  • Excellent SQL skills and comfort working with large and complex data warehouses (SnowflakePostgres
  • Bachelor’s or Master’s degree in a quantitative discipline (e.g., Computer Science, Statistics, Math, Engineering)
  • The ability to communicate and present complex technical topics and results to various audiences. Skilled in collaborative and compelling communication with clients and prospects.
  • Passion for understanding the “why” of the problem and the impact of solutions on client outcomes

  • Bonus points

    • Experience working with messy, realworld financial data (e.g., bank transaction streams, financial statements, credit reports)
    • Portfolio of past data scienceanalytics accomplishments (including source code)

    • Note:

      The fulltime salary range for this role is around $180,000 + equity + benefits. Base pay offered may vary depending on jobrelated knowledge, skills, experience, and market location.

      Disclosure as required by N.Y.C. Admin. Code §§ 8102 and 8107(32) of the full time salary compensation range for this role when being hired into our offices in New York City.

      Life at Ocrolus

      We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. As a fastgrowing, remotefirst company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact.

      Our culture is grounded in four core values:
      Empathy – Understand and serve with compassion
      Curiosity – Explore new ideas and question the status quo
      Humility – Listen, be grounded, and remain openminded
      Ownership – Love what you do, work hard, and deliver excellence

      We believe diverse perspectives drive better outcomes. That’s why we’re committed to fostering an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic.

      We look forward to building the future of lending together.