Effie Wang

Senior Data Scientist @Earnest

Manage credit risk model field for subprime auto loans, including risk analysis, model development, planning, and evaluation.• Spearheaded the development of an ensemble credit risk scorecard utilizing XGBoost and logistic regression algorithms, conducting rigorous statistical evaluations and data visualizations.• Engineered pricing variables and applied regression model to enable more accurate pricing at deal structuring.• Conducted advanced business analyses leveraging machine learning, predictive modeling, and optimization methods• Built and automated data pipelines in Python to process 100M+ rows of reject inference/loan performance data from credit bureaus, enabling streamlined data quality checks and updates.Tools: Python,SQL/Snowflake, Excel, SAS, and R