Staff Data Scientist

This is a fully remote position, open to applicants in California.

📋 Description

• Take charge of the complete development and implementation of risk science systems, encompassing credit risk scoring, default prediction, fraud detection, and collection scores.

• Direct the design, backtesting, and validation processes for credit risk models and frameworks for loss forecasting.

• Act as the internal authority on credit risk modeling, loss dynamics, and risk-based decision-making engines.

• Manage cross-functional risk modeling initiatives from initial concept to production deployment.

• Convert intricate risk models, loss forecasts, and analytical insights for senior leadership, the Risk Committee, and non-technical stakeholders.

• Provide mentoring and technical direction to data scientists.

• Collaborate with leaders in Risk, Pricing, Product, Capital Markets, Engineering, Finance, and Compliance.

• Supervise the rollout of scalable, production-level risk and fraud pipelines, which include automated monitoring, stress testing, and alert mechanisms.

• Work alongside the MRM team on model validation, fair lending analysis, model governance, and technical documentation.

⛳️ Requirements

• Over 8 years of experience with Python/R and SQL.

• More than 7 years of professional background in quantitative risk modeling, credit risk analytics, fraud analytics, or applied data science.

• Master's or PhD in Economics, Statistics, Computer Science, Operations Research, or a related quantitative discipline.

• Previous experience in consumer lending, fintech, or financial services with direct technical responsibility for credit underwriting or fraud models.

• Extensive knowledge in credit risk modeling, default prediction (PD, LGD, EAD), survival analysis, machine learning techniques like Gradient Boosted Trees and Logistic Regression, and risk-adjusted return frameworks.

• In-depth proficiency in model lifecycle management, validation, backtesting, and monitoring in the contexts of credit or fraud risk environments.

• Demonstrated success in independently managing and delivering complex, cross-functional modeling projects from start to finish.

• Experience in mentoring or managing junior data scientists and contributing to team-wide technical and governance frameworks.

• Strong communication skills capable of influencing stakeholders and clearly presenting technical concepts to senior audiences.

• Comprehensive understanding of financial metrics and consumer credit regulations, including FCRA and ECOA/Fair Lending.

• Familiarity with cloud production platforms such as AWS, GCP, or Azure.

• Competence in modern data engineering and analytics tools like Looker, Airflow, and dbt.

• Experience utilizing non-traditional data sources or LLM/NLP tools in underwriting, fraud detection, or document processing.

🏝️ Benefits

• Health, Dental, & Vision benefits along with savings plans.

• Mac computers and a stipend for setting up your home office.

• Monthly reimbursement for internet and phone expenses.

• Employee Stock Purchase Plan.

• Restricted Stock Units (RSUs).

• 401(k) plan to assist you in saving for retirement, including a company match.

• Comprehensive tuition reimbursement program.

• A $1,000 travel benefit on each Earnie-versary for any destination worldwide.

• Competitive annual PTO days.

• Competitive parental leave policies.

• Annual bonus based on performance.

• Equity opportunities.