Decision Scientist

About the Role

At Arivo, we are reimagining the auto lending experience through technology, data, and customer-first thinking. As a BI/Decision Scientist,, you will thrive in a fast-moving startup environment where adaptability, curiosity, and a passion for learning are essential. You’ll transform complex data into actionable insights that drive strategy across credit, operations, servicing, and leadership.

This role sits at the intersection of business and data — ideal for someone who enjoys both deep analysis and collaborating with stakeholders to solve real-world problems.

Key Responsibilities

Analytics & Insights

• Apply structured, analytical thinking to solve complex business problems

• Identify trends, risks, and opportunities within credit performance, servicing, operations, and customer behavior

• Support performance monitoring, forecasting, and root-cause analysis

Data Strategy & Modeling

• Design, build, and maintain high-quality datasets, data models, and reporting layers that serve as the foundation for business-critical decisions

• Partner with data engineering to ensure data accuracy, reliability, and scalability

• Establish and document KPI definitions, business logic, and data standards

Stakeholder Partnership

• Work within Risk to help drive the strategic analytical roadmap 

• Evaluate additional incoming requests for business alignment, feasibility, and impact

• Translate business questions into analytical frameworks and data solutions

Reporting & Visualization

• Develop and maintain dashboards and automated reporting that drive visibility into company performance

• Ensure reporting is intuitive, actionable in driving decisions, and aligned with business priorities

Continuous Improvement & Innovation

• Proactively learn and adopt new tools, technologies, and AI-driven approaches

• Identify opportunities to automate manual processes and improve data workflows

• Contribute to evolving analytics best practices in a rapidly changing technical landscape

Required Qualifications & Skills

• Analytical Mindset: Comfortable working with large, complex datasets to drive measurable business value

• Technical Proficiency: 

  • Strong BI experience and advanced SQL skills with hands-on application.

  • Familiarity with dbt, Airflow, or modern data transformation tools. 

  • Experience with Python or R for analysis or data preparation.

  • Exposure to API data integration or working with semi-structured data (JSON, logs, etc.)

• Data Warehousing: Working knowledge of Snowflake or similar cloud data platforms

• Business Acumen: Ability to connect data insights to real business outcomes

• Communication Skills: Strong written and verbal communication, with the ability to explain data concepts clearly

• Adaptability: Ability to move quickly in a startup environment and pivot with changing priorities

Nice to Have

AI & Emerging Tech

• Experience leveraging AI/ML tools, LLMs, or automation frameworks to enhance analytics workflows

• Familiarity with prompt engineering, AI-assisted reporting, or intelligent data exploration tools

Industry Experience

• Background in auto finance, consumer lending, credit, collections, delinquency, or loss mitigation

• Understanding of loan lifecycle metrics (originations, charge-offs, recovery rates, etc.)

• Knowledge of regulatory or compliance reporting in financial services

Business & Product Mindset

• Experience supporting operations, customer servicing, or performance teams

• Ability to prioritize work based on business value and ROI

• Exposure to experimentation, A/B testing, or performance optimization

Data Governance & Quality

• Experience with data validation, reconciliation, and quality monitoring

• Familiarity with data documentation and lineage practices

Soft Skills That Stand Out

• Strong ownership and accountability

• Strong curiosity and desire to understand the “why” behind the data

• Ability to operate independently while collaborating cross-functionally

• Comfort navigating ambiguity and building processes from the ground up

What We Offer

Arivo supports your health, well-being, and financial security with a comprehensive benefits program:

• Medical Insurance: Choice between a Traditional PPO and a QHDHP with HSA eligibility

• Health & Savings Accounts: HSA with employer contributions (up to $75/month for families) and FSA options

• Dental & Vision: Multiple dental plan options and vision coverage including glasses and contacts reimbursement

• Mental Health Support: Up to 36 free, confidential virtual therapy sessions per year through Tava Health

• Financial Protection: Company-paid Basic Life and AD&D ($25,000), plus optional supplemental and disability plans

• Retirement: 401(k) plan

• Additional Perks: Identity Theft Protection and exclusive Employee Purchase Program discounts for vehicle sales and service