Senior Data Scientist – Credit and Lending ML

This is a fully remote position, open to applicants in United States, +4 more locations.

📋 Description

• Develop and manage models for the lending program, which includes transaction classification, detection of recurring inflows and outflows, annual revenue estimation, seasonal forecasting, and anomaly detection.

• Transform bank transactions, storefront sales, and various disorganized data streams into a coherent and reliable representation of a business's financial health.

• Implement models into production with comprehensive observability, monitoring, and testing protocols.

• Collaborate with the Credit team on underwriting policies, including necessary data requests, follow-up information, and quantifying uncertainties.

• Work alongside the Product team to determine principal amounts, pricing strategies, and repayment terms.

• Evaluate opportunities where predictive modeling can enhance the underwriting process.

• Establish the technical standards for machine learning within the Credit department.

⛳️ Requirements

• Minimum of 3 years of experience in building machine learning models.

• At least 1 year of experience working with lending or credit algorithms.

• Familiarity with deep learning or transformer models in a professional setting.

• Proficiency in Python, with experience in developing production-quality services.

• Strong SQL skills and comfortability within a data warehouse environment.

• Capable of articulating model concepts to a credit officer, model validator, product manager, and engineer.

• Ability to establish modeling standards for colleagues in data science.

• A quantitative degree or equivalent experience through other means.

🏝️ Benefits

• Competitive base salary.

• Equity options (stock options/RSUs).

• Comprehensive benefits package.

• Commitment to Equal Employment Opportunity.

• Reasonable accommodations available during the recruitment process for applicants with disabilities or special needs.