Core Requirements

1. Bureau Tradeline Expertise & Feature Engineering 

This is foundational to the Precision CUSO modeling approach. You must be able to work directly from raw bureau data, not pre-packaged scores, to construct predictive features from the ground up.

• Deep, hands-on familiarity with credit bureau raw tradeline data (Equifax, Experian, TransUnion), including trade-level attributes, derogatory history, inquiry patterns, and account-level performance signals.

• Ability to construct derived, interaction, and behavioral features from scratch rather than relying on bureau-furnished summary attributes.

• Experience diagnosing and handling data quality issues, sparse tradelines, thin-file populations, and bureau field inconsistencies that are common in the credit union segment.

• Familiarity with third-party data providers (alternative data, income verification, property data) and their integration with bureau tradelines for enriched feature sets.

2. Risk Scorecard Development & PD Modeling

The core of your work will be building scorecards and probability-of-default (PD) models that are statistically rigorous and generalize well across the varied membership profiles of credit unions.

• Mastery of scorecard methodology: logistic regression, WoE binning, IV analysis, Population Stability Index (PSI), and Gini/KS diagnostics, with a strong instinct for building models that hold up out-of-sample.

• Rigorous approach to risk cohort definition: understanding how outcome windows, observation points, and performance periods affect label quality and model stability.

• Experience building sub-segmental and challenger models, recognizing when a single model is insufficient and designing segment-specific models (e.g., thin-file vs. thick-file, auto vs. personal loan) that improve predictive lift.

• Proficiency applying ML techniques (gradient boosting, random forests, regularized regression) to augment scorecard performance, with a clear understanding of interpretability tradeoffs in a regulated environment.

• Perform model validation and periodic back-testing to ensure accuracy, robustness, and reliability; continuously monitor existing models and recalibrate as needed.

3. Client-Facing Communication & Validation Readiness

Precision CUSO modelers are not behind-the-scenes contributors. You will be a visible technical face with credit union clients and with independent model validation teams. Strong communication is non-negotiable.

• Exceptional written articulation skills: ability to produce clear, precise, and well-structured model documentation, methodology write-ups, and executive summaries that withstand scrutiny from validation teams and regulators.

• Confident verbal communicator who can translate complex statistical concepts for credit union risk officers, CMOs, and senior leadership without losing technical integrity.

• Experience presenting model results, validation findings, and performance monitoring reports directly to client stakeholders.

• Ability to respond to third-party validator questions with precision and defend modeling choices with sound statistical reasoning.

• Consultative mindset: capable of framing modeling decisions in the context of the client’s business objectives, risk appetite, and regulatory environment.

4. Comfort in a Dynamic, Fast-Paced Environment

Precision CUSO operates as a high-velocity team. You will be simultaneously working on model builds, client engagements, platform configuration, and internal product development. This requires genuine comfort with ambiguity and change.

• Demonstrated ability to manage multi-threaded delivery engagements with strong project management discipline and the capacity to prioritize effectively when demands compete.

• Self-starter with a bias toward action: can move a modeling engagement forward independently without waiting for complete specifications.

• Comfortable operating in a startup environment where priorities shift, client needs evolve quickly, and iteration speed matters.

• Strong personal discipline and a track record of delivering quality work on aggressive timelines without sacrificing rigor.

5. Decisioning Technology & Modular Solution Deployment

A defining feature of Precision CUSO is the delivery of modular, reusable risk solutions embedded directly within the Corridor platform. This means the modeler must think not just about model accuracy but about how the model operationalizes. You will be expected to collaborate closely with Corridor’s decisioning technology and  data/infrastructure teams to move models from development into production efficiently.

• Strong familiarity with decisioning technology platforms, particularly Corridor’s Decision Management Platform, with the ability to configure and deploy analytic solutions within them.

• Experience (or strong aptitude for) working with data engineering and infrastructure teams to ensure model inputs are correctly sourced, transformed, and piped into decisioning workflows.

• Ability to design model artifacts and scoring logic in a modular, client-agnostic manner so that solutions built once can be rapidly configured and re-deployed across multiple credit union clients.

• Familiarity with Lending Origination Systems, Core Banking Solution providers, and bureau/third-party data APIs, understanding how how data flows from source systems into decisioning.

• Appreciation for operational governance: version control of models, champion/challenger frameworks, and monitoring hooks embedded in production pipelines.