Description:

KOHO is seeking a Data Scientist to join their expanding Risk Team and enhance data operations.
The role involves designing and developing statistical credit risk models (PD, EAD, and LGD) for various retail lending products.
Responsibilities include performing feature engineering from traditional credit risk and alternative data sources.
The Data Scientist will assist with model deployment, monitoring, and recalibrations as needed.
Leading complex insights projects to identify patterns in data and forecast future scenarios is a key responsibility.
The position requires organizing and preparing large data sets for analysis using appropriate tools.
Creating dashboards and conducting ad-hoc analysis to address urgent data-related inquiries is expected.
The Data Scientist will draft detailed documentation of results, insights, and methodologies on a project basis.
Coordination and communication with multiple stakeholders is essential.
Presenting models and analyses in Credit Committee meetings to seek approval from business owners and leadership teams is required.
The role includes representing the risk modeling function and promoting its visibility and value within the business.

Requirements:

A Bachelor's, Master’s, or Ph.D. degree in a quantitative field, economics, business, engineering, or equivalent is required.
A minimum of 5 years of experience collaborating with data, engineering, and business teams is necessary.
Candidates must possess sound statistical knowledge, including descriptive statistics, hypothesis testing, probability distributions, correlation analysis, sampling techniques, and both supervised and unsupervised machine learning.
Understanding the fundamentals of scorecard development, including weight of evidence and information value, is essential.
Exposure to regulatory requirements (OSFI, Basel, EBA) for retail risk modeling is required.
A strong curiosity about lending processes and data patterns, along with resilience in problem-solving, is important.
Extensive model validation experience and proficiency in predictive credit risk modeling are required.
Candidates must be hands-on with data transformations, analysis, modeling, and documentation.
A passion for applying data science in financial services and innovative ideas for enhancing customers' financial lives is essential.
Exceptional analytical and problem-solving abilities are required.
Proficiency in SQL and Python is mandatory.

KOHO offers company-wide summer wellness days, winter holiday closure, personal days, a wellness spending account, and maternity & parental leave top-up to promote work-life balance.
The company operates on a remote-first model, allowing employees to work from anywhere in Canada with a budget to set up their home office.
Employees have access to an in-house certified performance coach and an annual training budget for professional development.
Salary assessments are conducted twice a year to ensure competitive compensation.
KOHO has received 7 "Great Place to Work ®" awards since 2019, reflecting its positive workplace culture.
Every employee receives a generous amount of equity with a 10-year exercise window, promoting a sense of ownership within the company.