We are dedicated to transforming the mortgage verification process through innovative solutions, leveraging human expertise and AI technology to create efficient workflows. With a proven track record of success, we've built strong partnerships with clients worldwide, harnessing the power of Artificial Intelligence in our 30-year history. When applying for this position, you'll be agreeing to participate in an AI-driven evaluation process, where your profile will be assessed by our virtual assistant. Role Overview We're seeking an experienced Data Scientist to join our team working on a project in the mortgage technology sector. In this role, you will focus on analyzing patterns in third-party API usage and developing algorithms to optimize the sequence and decision-making around these API calls. You will work with expensive verification services to create intelligent "waterfall" strategies that minimize unnecessary calls while maintaining effective verification processes. Your work will directly impact cost efficiency and processing speed for mortgage verification workflows. Key Responsibilities 1. Analyze historical patterns of third-party API usage in verification processes (income, employment, assets) 2. Develop statistical models and algorithms to optimize the sequence and necessity of API calls 3. Create intelligent "waterfall" strategies that minimize expensive API calls while maintaining verification quality 4. Build predictive models to determine when certain verification services are likely to provide value vs. cost 5. Design algorithms that can make real-time decisions on which verification services to call based on available data 6. Quantify and track cost savings achieved through API call optimization 7. Collaborate with engineers to implement your models and algorithms into production systems 8. Develop metrics and KPIs to measure efficiency gains and cost savings 9. Work with business stakeholders to understand verification requirements and translate them into optimization strategies 10. Research and implement machine learning techniques to improve decision-making around third-party service utilization Required Qualifications 1. Solid experience in data science or machine learning roles 2. Experience with optimization algorithms and decision tree-based approaches 3. Proven track record of cost optimization through data analysis 4. Experience analyzing API usage patterns and creating efficient workflows 5. Strong knowledge of statistical analysis, probability, and experimental design 6. Advanced or fluent English communication skills are essential for collaboration in a remote environment Preferred Qualifications 1. Experience with optimization problems, particularly cost or resource optimization 2. Knowledge of decision theory and sequential decision-making 3. Familiarity with financial service verification processes or systems 4. Background in operations research or similar analytical field 5. Programming skills in Python and experience with ML libraries (scikit-learn, TensorFlow, PyTorch) 6. Experience with AWS services (SageMaker, Lambda, S3, etc.) 7. Experience with A/B testing and experimental design 8. Knowledge of data ethics and privacy considerations in handling sensitive data 9. Prior experience working with international teams 10. Understanding of how to balance business rules with cost optimization We value diversity, inclusion, and safety in the workplace. We encourage applications from diverse groups to our job positions. Collaboration is key to our success. Excellence is our standard. Our benefits include: - Premium Healthcare - Meal voucher - Maternity and Parental leaves - Mobile services subsidy - Sick pay-Life insurance - Professional development opportunities - Paid Vacations - And many others.