Quantitative Risk Researcher

Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4B people lack access to credit. A vendor in Lagos earns cash daily but can't prove a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Most lending systems spend a lot to guess who will repay—and yet so many who are creditworthy still can’t get a loan.We built Credit to work differently—to reveal creditworthiness through a borrower’s actual behavior. Since launching in December 2024, Credit has issued over 175,000 loans to more than 100,000 unique borrowers using stablecoins on World Chain, with decisions and settlement in seconds and no paperwork, collateral, or data beyond a wallet address.Join us in advancing open, fair credit.About The RoleWe seek a talented individual to contribute to the risk engineering behind Credit, our leading undercollateralized lending system. You'll work on models that impact hundreds of thousands of users worldwide. You'll also develop tools for quantifying and monitoring risk.StackPythonTypeScriptGrafana/PrometheusStatistical modeling toolsSQLKey ResponsibilitiesDesign, maintain, and optimize credit risk modelsAnalyze historical loan performance to calibrate risk parametersDevelop tools, alerts, and analytics to test, validate, and monitor risk and user behaviorCollaborate with engineering to implement quantitative models in productionResearch and propose model improvements based on emerging data patterns RequirementsMaster's or Ph.D. in a quantitative field such as mathematics, statistics, economicsStrong expertise in credit risk modelingTrack record of developing risk models deployed in production at scaleStrong ability in Python, SQL, and programming for data analysisExceptional problem-solving skills and attention to detailNice to haveExperience with DeFi protocols, especially lending or credit systemsFamiliarity with blockchain data indexing and onchain analyticsExperience managing and optimizing a loan portfolioDivine Research is an equal opportunity employer.