Harmoney is the only 100% consumer-direct personal lender operating across Australia and New Zealand.
We provide customers with unsecured personal loans that are fast, easy, competitively priced (using risk-adjusted interest rates) and accessed 100% online.
We are committed to delivering products to make lives easier.
We believe the future is direct to the consumer, relationship driven and technology enabled.
We are disrupting the lending market as we know it by offering a fair and unbiased option for our customers powered by data and machine learning.
Doing things differently is the business we are in.
How to love your time at Harmoney If you enjoy problem solving, working with smart people and being a part of positive change, then read on!
Be empowered to share your ideas, work collaboratively and autonomously while helping customers manage their finances.
Harmoney is one of NZ's most successful fintechs, growing in both NZ and Australia.
Our Purpose The purpose is to extract valuable insights from complex and large datasets and analyse data to make informed business decisions using predictive modelling, AI and ML.
What you can expect as a Data Scientist / Credit Risk Analyst You will be hands-on with some of the leading tools available and will be using your credit, data, and analytical skills to the fullest to continue to develop our products and services.
You'll be working directly with top management in the company, reporting to the Head of Data Science.
Increase the profitability of credit within the business subject to the constraints of the business.
Satisfy internal customers needs for credit related information and reporting.
Assist in bringing new products to market.
Scorecard review, building and implementation.
Performance monitoring.
Development of BI systems.
Pricing and portfolio impact analysis.
Project work as required.
To thrive in this role you will be able to Use your strong analytical skills.
Provide statistical analysis.
Communicate to technical and non-technical internal customers.
Pay attention to detail.
Find and realise value in data.
You will have: Several years of relevant credit industry analytical experience.
Strong quantitative analysis skills.
Proficiency with database and analytical end-user tools.
Data warehousing experience.
Experience in data mining tools.
Why work with us?
We pride ourselves on being a high growth innovative fintech company, offering flexible home / office working practices and a friendly supportive work culture that encourages collaboration and contribution.
You will engage in interesting and challenging work that will improve the financial lives of our customers every day.
An open, creative and energetic hub, where you can help shape, build and enhance the team's culture and way of working.
A continual learning environment that fosters and encourages innovation, creativity and collaboration.
Hybrid working flexibility, up to 2 days from home.
Growth!
Grow with us and utilise our learning and development opportunities and annual training budget.
Health Insurance (Southern Cross Wellbeing one), free flu shots, and access to a confidential support and counselling service.
Paid day off on your birthday, and two wellness leave days.
Enhanced leave - 10 days of wellbeing leave from day 1.
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