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US 4w PTO

  • Lead custom analytics and modeling engagements from scoping through delivery and ongoing support.
  • Develop credit strategies and ML models (underwriting, line assignment, pricing, early warning, collections).
  • Engineer features from alternative, transactional, and bureau data (e.g., recency, frequency, volatility, trend, and behavioral metrics).

Python SQL Analytics Modeling Data Science

18 jobs similar to Senior Data Scientist - Alternative Data & AFS Solutions (Non-Prime Lending)

Jobs ranked by similarity.

$153,075–$275,535/yr
US

  • Perform comprehensive evaluations of data assets across the full credit and fraud lifecycle, ensuring strong regulatory compliance and risk governance.
  • Conduct rigorous benchmarking and champion/challenger analyses to compare external data assets against internal attributes, scores, and predictive models, ensuring measurable lift, ROI and benefits.
  • Develop advanced machine learning solutions and algorithms to solve complex analytical challenges.

Experian is a global data and technology company, powering opportunities for people and businesses around the world. They operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), they have a team of 23,300 people across 32 countries.

US 4w PTO

  • Be the day‑to‑day analytics partner for clients on credit strategy, risk optimization, and portfolio performance.
  • Translate client goals into clear analytical questions, project plans, and structured workflows.
  • Use Python and SQL to explore data, validate hypotheses, and support analytical workflows developed by Data Science teams.

Experian is a global data and technology company, powering opportunities for people and businesses around the world. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), they have a team of 22,500 people across 32 countries and our corporate headquarters are in Dublin, Ireland.

$153,075–$275,535/yr
US 4w PTO

  • Create advanced machine learning analytical solutions to extract insights from diverse structured and unstructured data sources.
  • Unearth data value by selecting and applying the right machine learning, deep learning and processing techniques.
  • Refine data manipulation and retrieval through the design of efficient data structures and storage solutions.

Experian is a global data and technology company powering opportunities for people and businesses around the world. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), they have a team of 22,500 people across 32 countries and corporate headquarters in Dublin, Ireland.

Europe

  • Leading analytical initiatives to improve credit underwriting, manage portfolio risk, and support growth
  • Supporting the design, implementation and iteration of lending strategies based on data insights
  • Monitoring performance of existing strategies and identifying opportunities for improvement

Monzo is on a mission to make money work for everyone. They offer personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK. They are known for hot coral cards, get-paid-early feature, financial education, and award winning customer service.

$99,000–$145,700/yr
US

  • Evaluate and refine credit policies and models for both consumer and SMB credit cards to minimize losses and enhance profitability.
  • Develop and implement tailored, data-driven strategies for effective management of the consumer and SMB credit card portfolios.
  • Build dashboards and present regular reports on key performance indicators (KPIs) and key risk indicators (KRIs) specific to consumer and SMB credit cards to senior management.

Marqeta is a modern card issuing platform that empowers builders to bring innovative payment solutions to the world. They are a publicly traded company that embraces a flexible-first work environment and focuses on recognizing employee contributions.

Europe 5w PTO

  • Oversee the design, development, and implementation of scalable scoring models to drive business impact.
  • Guide and mentor junior data scientists, fostering a culture of innovation and continuous improvement.
  • Communicate complex technical concepts to non-technical stakeholders, providing actionable insights and driving data-informed decision-making.

Bondora's mission is to empower people to enjoy life more while alleviating financial stress. Founded in 2008, Bondora has served over 1 million customers and is rapidly growing as they pursue a banking license and expand their investment and loan products across Europe.

Global

  • Build and maintain a credit risk analytics capability to provide timely, actionable insights.
  • Lead iterative development of underwriting and pricing models.
  • Identify and integrate non-traditional data sources to boost predictive accuracy.

Deel is an all-in-one payroll and HR platform for global teams, combining HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. They are among the largest globally distributed companies with a team of 7,000 spanning more than 100 countries, driving continuous learning and innovation.

$69,300–$97,020/yr
UK

  • Improve credit underwriting, boost growth and/or manage portfolio risk.
  • Monitor the performance of existing strategies, and iterate to improve them.
  • Design and deliver product changes alongside engineering, marketing, product, risk and control.

Monzo is an innovative credit card company that gives customers unprecedented visibility and control over their spending. They offer features like flexible instalment plans and instant app management, defining the future of flexible finance.

Europe

  • Build and scale the roadmap for fraud decisioning, ensuring our models stay ahead of emerging typologies.
  • Mentor and develop a team of data scientists, fostering a culture of mastery and continuous learning.
  • Partner with Product and Engineering to design and deploy real-time decision logic and data architectures.

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. They provide payments, banking, credit, and financial management tools, reliable products that people and businesses use every day.

$130,000–$165,000/yr
US Canada Europe Unlimited PTO

  • Deep dive into trends and provide data driven insights to identify risky behavior.
  • Develop customer and program segmentation frameworks to enable proportionate monitoring.
  • Create dashboards to monitor performance across relevant metrics and create alerts.

Lithic creates card issuing and payment infrastructure for technology companies. They help some of the world’s fastest-growing digital banks, fintech companies, and software companies process billions in transactions annually.

$45–$100/hr
US

  • Utilize proprietary software to provide accurate input and labels for private credit projects.
  • Deliver curated, high-quality data for scenarios involving direct lending transactions, credit underwriting and analysis, loan structuring, covenant negotiation, sponsor due diligence, portfolio company monitoring, collateral valuation, distressed debt investing, and special situations analysis.
  • Collaborate with technical staff to support the training of new AI tasks and contribute to the development of innovative technologies.

XAI's mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. The team is small, highly motivated, and focused on engineering excellence with a flat organizational structure.

$72,000–$120,000/yr
US

  • Mine, model, and analyze large datasets utilizing descriptive, predictive, and prescriptive analytics.
  • Develop and support custom score models for underwriting, pricing and profitability.
  • Design and deploy model monitoring frameworks to assess the performance of partner underwriting portfolios, new product launches, and existing customer portfolios.

Pathward is a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. They are a team of problem solvers and innovators who celebrate their differences and know that their unique perspectives make them stronger and well-positioned for success.

$160,000–$190,000/yr
US Unlimited PTO

  • Conduct client discovery calls with account executives.
  • Meet with clients to discuss fraud strategies to mitigate risk.
  • Create and deliver presentations aligned to proposed solution value.

SentiLink provides innovative identity and risk solutions, empowering institutions and individuals to transact with confidence. They are building the future of identity verification in the United States, with offices across the United States and in India, and are backed by world-class investors.

US

  • Analyze massive customer data sets, come up with actionable insights, and explain how our models perform and how we can help our customers build optimal risk management policies
  • Act as a Data Science advocate: deeply understand Socure’s solutions (products, models and algorithms) and customers’ risk challenges to educate and influence from a scientific perspective
  • Create convincing data stories to showcase how we can help our customers eliminate identity fraud, streamline their end-user experience, and support their risk management efforts holistically

Socure is building the identity trust infrastructure for the digital economy, verifying identities in real time and stopping fraud. They hire people who move fast, think critically, act like owners, and care about solving customer problems.

Canada

  • Independently design and implement comprehensive risk assessment models.
  • Develop and enhance predictive models for spatially accurate emergency service demand forecasting.
  • Create and validate response time models using routing algorithms tuned to real-world emergency vehicle data.

Darkhorse Emergency helps fire, EMS, and police services save lives through data-driven decisions. Their platform combines comprehensive reporting with advanced statistical modelling, geospatial analysis, and optimization algorithms.

North America 4w PTO

  • Apply advanced analytics techniques to solve complex business problems across finance and market risk domains.
  • Develop and maintain the finance data mart, with a focus on optimizing data quality, accessibility, and efficiency.
  • Create insightful dashboards to monitor financial KPIs, profitability metrics, and regulatory reporting requirements.

Wealthsimple is on a mission to help everyone achieve financial freedom by reimagining what it means to manage your money. They are the largest fintech company in Canada, with 3+ million users who trust them with more than $100 billion in assets.

North America 4w PTO

  • Be the dedicated data science partner to the Consolidation product team, owning the analytics and modeling that power product-led growth across onboarding, activation, and full consolidation.
  • Design and analyze rigorous product experiments across the client journey, from first funding through to full asset consolidation, using A/B testing, non-inferiority tests, and other causal inference methods to measure the impact of product changes on key growth metrics.
  • Develop deep product analytics to understand how clients move through the consolidation funnel, linking external accounts, reaching their first $5k, adopting multiple products, and identify where the biggest opportunities exist to accelerate that journey.

Wealthsimple helps everyone achieve financial freedom by reimagining what it means to manage your money. They are the largest fintech company in Canada, with 3+ million users who trust them with more than $100 billion in assets.

US

  • Own data strategy and execution for a portfolio of client deliverables within new sectors.
  • Serve as a subject-matter expert for emerging sector data, partnering with GTMl teams on client conversations.
  • Investigate and resolve data quality issues and implementing scalable fixes.

YipitData is a market research and analytics firm for the disruptive economy. They analyze billions of alternative data points to uncover actionable insights across sectors. YipitData operates globally with offices in the US and APAC and has a people-centric culture.