Senior Data Scientist – Credit Underwriting

Senior Data Scientist – Credit Underwriting

Requirements

• 5+ years as a Data Scientist, with a strong focus on credit underwriting in the B2C fintech product space
• Proven experience with rules-based modeling, transaction labeling, and cash flow predictors
• Deep understanding of credit risk, including familiarity with relevant regulatory limits and compliance requirements
• Worked on a product that successfully went to market
• Proficient in Python, SQL, and data analysis tools
• Experience with financial data APIs like Plaid and handling unconventional datasets
• Strong background in statistical modeling, machine learning, and data visualization
• Ability to work with obscure data and deliver actionable insights
• Excellent communication skills to collaborate with cross-functional teams and present findings to non-technical stakeholders
• Bachelor’s or Master’s degree in Data Science, Statistics, Computer Science, Finance, or a related field

Responsibilities

• Develop and refine rules-based models for transaction labeling (e.g., categorizing income buckets, expenses)
• Build and optimize cash flow prediction models to assess user behavior and financial stability
• Conduct wage and hour assessments to ensure accurate and compliant financial modeling
• Analyze and interpret complex credit risk data, aligning models with regulatory requirements and limits
• Leverage Plaid and other financial APIs to process and analyze unconventional or obscure datasets
• Partner with engineering and product teams to bring data-driven insights into our product, ensuring scalability and reliability
• Collaborate across departments to align credit underwriting strategies with business goals
• Monitor and validate the performance of credit models post-launch, iterating as needed to optimize outcomes
• Stay current on regulatory changes and industry best practices in credit risk and financial modeling

Preferred Qualifications

No preferred qualifications provided.