Senior Data Scientist, Credit Risk

Job Summary

Owning the full lifecycle of machine learning models for credit risk decisions, the full-time Senior Data Scientist, Credit Risk will design, build, deploy, and monitor models while collaborating with cross-functional teams in a remote environment.

Key responsibilities

• Develop and engineer high-signal features from internal and external datasets to enhance predictive power of credit models
• Source, clean, and transform financial data into modeling-ready datasets while ensuring data integrity
• Evaluate third-party data vendors and lead cost-benefit analyses for model integration

Required qualifications

• Master's or PhD in a quantitative discipline such as Statistics, Mathematics, Data Science, or Econometrics
• 5+ years of experience as a Data Scientist or ML Engineer with a focus on predictive modeling in credit risk or financial analytics
• Advanced proficiency in Python for statistical modeling and strong SQL skills for data extraction
• Prior experience in consumer lending, fintech, or financial services, with familiarity in DTI and PTI concepts
• Hands-on experience with model risk governance frameworks and communication skills to convey complex models to diverse audiences