Bread makes essential purchases affordable to regular people. We transform pricing in e-commerce: The $1,000 couch you’re looking at might become a $50/month charge. We treat our customers with dignity with clear and transparent products.

To enable this vision, we have enormous and engaging risk and data science challenges. We instantaneously approve and price credit products, predict fraud and customer’s propensity and preferences using predictive tools and logical criteria while providing a seamless and frictionless consumer experience all in real time. 

We are looking for a junior risk analyst/data scientist to join the Risk team to build out decision making tools and automated one-button solutions to understanding and viewing answers and outcomes. You will have a chance to work on real problems, have a steep learning curve, make tangible contributions both you and the organization will be able to see, and be an integral part of the team.

Things you will do:

• Build automated risk tools and solutions for real-time alerts, tracking and decision enhancements
• Critically interrogate data and synthetize learnings and insights
• Build and enhance business decision driving reporting/intelligence
• Read and implement A/B tests for continuous enhancement in evidence based decisioning

Requirements

• 0-2 years in credit/fraud risk experience in a data driven analytical environment is preferred
• New grads with strong foundation in data science and statistics will be considered
• Hands-on experience and familiarity with machine-learning techniques, statistics, and optimization
• Ability to think and interrogate data critically
• Have the drive and desire to learn, question and experiment in an evidence-based way
• Native in R, Python or similar and SQL is a necessary

If this is you, submit a cover letter and resume to apply!