Data Scientist

Credit Risk Data Scientist | Fintech | Remote (US-based) A leading fintech company is looking for a Credit Risk Data Scientist to help shape the future of responsible lending through data-driven decision making. You’ll play a key role in developing and deploying machine learning models that power a range of innovative lending products — from BNPL to installment loans. What You’ll Do • Design, test, and implement predictive models that assess credit risk across diverse lending products. • Partner closely with risk and product teams to ensure models align with real-world business objectives and regulatory standards. • Build scalable data pipelines to support model development, monitoring, and reporting using Python and SQL. • Deploy models into production and work alongside data engineering to ensure performance, reliability, and interpretability. • Evaluate models with metrics such as AUC, KS, and Gini, while tracking long-term stability through PSI/CSI. • Contribute to credit policy design by translating analytical insights into actionable lending strategies. • Uphold compliance with regulations like FCRA and ECOA, ensuring models are fair, explainable, and auditable. What You Bring • Degree in Mathematics, Statistics, Computer Science, or a related field. • 2+ years of experience applying data science and machine learning in an industrial setting. • Proven ability to code efficiently in Python and SQL, with expertise in tools like scikit-learn, XGBoost, LightGBM, pandas, and numpy. • Hands-on experience developing credit risk or lending models — including PD calibration, reject inference, and risk segmentation. • Strong analytical instincts and the ability to uncover insights in large, complex datasets. • Excellent communication and collaboration skills — you know how to turn complex modeling outcomes into clear business value.