Senior/Staff Credit Data Scientist
Core
Develop predictive models and quantitative pricing strategies to optimize credit risk, delinquency, and loan performance for consumer lending.
Role type
Senior/Staff IC credit data scientist
Builds
Production ML models for credit decisioning, risk segmentation, and pricing optimization
Domain
Consumer finance / Credit risk analytics
Deliverable
production ML models
Required skills
Python, statistical modeling, feature engineering, model validation, credit risk analytics, pricing optimization, data manipulation
Preferred skills
Master's or PhD in quantitative field, experience in unsecured consumer lending or fintech
Technologies
Python
Responsibilities
Develop and deploy statistical/ML models to predict credit risk and defaults; Analyze credit bureau and alternative data to improve underwriting; Build quantitative pricing models; Develop and evaluate AI-powered agents; Partner with Engineering to deploy scalable models; Monitor model performance and investigate anomalies; Document methodologies and ensure model governance; Lead initiatives and mentor colleagues; Collaborate cross-functionally to translate business challenges into insights
