Credit Strategy Data Scientist

Job Title: Credit Strategy Data Scientist Location: Remote - San Jose California 95002 Pay Rate: $50–$53/hr (W2) Duration: 12-Month Contract Interview process: Multiple (At home screening, 1 technical interview with senior team member, 1 interview panel with hiring manager and team member). Team size: 5 team members, position will work closely with a senior team member At outset, role will largely focus on reporting, so experience with visualization and data storytelling is a plus About the Role We’re seeking a highly skilled Credit Strategy Data Scientist to join a forward-thinking Credit Risk Strategy team. This role is ideal for someone with a strong analytical mindset, deep experience in credit risk or financial analytics, and a passion for driving data-driven decisions. You will lead strategic initiatives aimed at improving credit risk assessment, reducing losses, and optimizing customer experience. Key Responsibilities • Develop and implement rules to detect and mitigate credit losses • Investigate complex or high-impact credit risk cases and identify root causes • Define and refine strategies for various risk types • Partner with product and engineering teams to enhance credit control capabilities • Design and present credit strategies, ensuring smooth execution • Balance loss mitigation with customer eligibility to maximize business outcomes Qualifications • 2+ years of experience in risk analytics, data science, or data analysis, ideally within fintech or online payments • Bachelor’s degree in a quantitative field (Computer Science, Mathematics, Engineering, Statistics, etc.) or equivalent experience • Strong proficiency in SQL, Python, and Excel, including use of data science libraries • Demonstrated ability to work with large, complex datasets • Experience creating dashboards and data visualizations (e.g., Tableau) • Clear communicator with the ability to present insights to both technical and non-technical audiences • Comfortable navigating ambiguity and translating data into actionable strategies • Proven track record of analytical decision-making and impact Preferred Experience • Familiarity with AWS, payment rule systems, and credit products • Background in developing data-driven risk solutions • Experience with RaaS (Rules-as-a-Service) platforms • Project management and stakeholder engagement skills What You Can Expect in the First 6–12 Months • Develop dashboards and visualizations to track key credit performance indicators • Collaborate with cross-functional stakeholders to design and execute loss mitigation strategies • Analyze customer behavior and system data to identify and address emerging risk patterns • Deliver actionable recommendations to business leaders through compelling data presentations • Contribute to the evolution of real-time, scalable credit risk systems that enhance customer experience. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Suna Solutions provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Applicants, with criminal histories, are considered in a manner that is consistent with local, state, and federal laws. REQUESTING AN ACCOMODATION Suna Solutions is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Suna Solutions and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Suna Solutions and have accommodation needs for a disability or religious observance, please call us at 1 (888) 223-4788, send us an email or speak with your recruiter. PAY TRANSPARENCY POLICY STATEMENT Compensation for roles at Suna Solutions varies depending on a wide array of factors including but not limited to the specific client, office or remote location, role, skill set and level of experience. As required by local law, Suna Solutions provides a reasonable pay scale to include the hourly or salary range that Suna Solutions reasonably expects to pay for roles that may be hired in California, Colorado, New York City or Washington as set forth below.