EDGE
Steve O'Brien is a data scientist currently working at EDGE since September 2024. Prior to this role, Steve has garnered extensive experience at OppFi from June 2021 to September 2024, serving in various capacities including Associate Data Scientist, Senior Analyst Data Scientist, and Credit Risk Analyst. Earlier in 2020, Steve completed a Math Internship at OppLoans, where significant contributions included developing a Python program for calculating APR compliance with CFPB regulations and collaborating with compliance teams to ensure program accuracy. Steve holds a Bachelor of Science degree in Mathematics with a focus on Econometrics and Quantitative Economics from the University of Illinois Urbana-Champaign, where studies took place from 2017 to 2021, and graduated from Glenbard East High School in 2017.
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EDGE
EDGE is the leading predictive intelligence platform that leverages alternative data for consumer risk scoring and predictive behavioral mapping. Our risk analytics are built on the industry's only data lake combining consumer-permissioned bank transaction data with loan performance at scale. The resulting risk scores and modeling features/attributes are uniquely predictive and curated for immediate actionability in underwriting decisions. With our proprietary analytics, lenders and other risk industries can increase conversions of consumers overlooked with traditional risk assessment techniques while at the same time detecting and decisioning on risk signals only available through EDGE.