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$150,000–$185,000/yr
US

  • Building, maintaining and enhancing credit risk models for lending portfolios.
  • Extract, clean and manipulate large data sets using SQL and Python; build pipelines and analytics to perform model and portfolio monitoring.
  • Perform exploratory data analysis (EDA) to identify portfolio trends, drivers of loss performance and provide insight into model deviations.

Python SQL Tableau Data Analysis

20 jobs similar to Sr. Data Scientist (Credit Risk)

Jobs ranked by similarity.

$96,987–$131,641/yr
UK

  • Improving portfolio health by engaging customers in financial difficulty.
  • Designing and monitoring impact assessment and forecasting models.
  • Developing and maintaining credit models for strategic business decisions.

Monzo is on a mission to make money work for everyone, waving goodbye to complicated traditional banking. They offer personal and business bank accounts, joint accounts, and credit cards, solving problems and changing lives.

4w PTO

  • Evaluate traditional, alternative, transactional, and raw datasets for use in underwriting, portfolio management, collections, and fraud.
  • Lead quantitative due diligence for M&A targets and data partnerships, assessing data quality, depth, coverage, stability, and scalability.
  • Design and implement validation frameworks to measure predictive lift, segmentation value, and incremental performance versus incumbent data.

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 are in Dublin, Ireland.

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.

$150,000–$185,000/yr
US

  • Maintain and enhance loss forecasting methodologies for unsecured personal loan portfolios.
  • Extract, clean, and manipulate large data sets using SQL and Python to support forecasting and reporting.
  • Perform exploratory data analysis to identify portfolio trends and drivers of loss performance.

Achieve is a leading digital personal finance company that provides innovative, personalized financial solutions.

$123,138–$166,473/yr
Europe

  • Leverage advanced data analytics to derive insights and optimise credit strategies across products and geographies.
  • Partner with Engineering to design and build scalable risk models and credit risk capabilities.
  • Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. They are a fast-growing FinTech company committed to redefining responsible consumer lending.

Europe

This role is pivotal in building and scaling a team responsible for pricing, credit limit modelling, and production credit model deployment. You’ll work closely with our Consumer Credit, Product, and Engineering teams to shape how we assess and price risk, design credit products, and measure outcomes across the credit lifecycle. You’ll build the analytics and modelling foundations that inform underwriting, customer acquisition, retention, and portfolio performance at scale.

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets.

4w PTO

  • Manage our thought leadership strategy, grounded in data analysis and empirical thoughtfulness.
  • Use Python and SQL to independently explore datasets, validate hypotheses, and surface unique insights.
  • Translate analytical findings, model outputs, and product capabilities into clear, market‑facing narratives that demonstrate value.

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 their corporate headquarters are in Dublin, Ireland.

US

  • Lead the development of machine learning projects from requirements gathering to deployment.
  • Design, implement, and maintain ML pipelines, including data ingestion, feature engineering, modeling, evaluation, and deployment.
  • Conduct research and develop advanced analytical and optimization methods to enhance platform capabilities.

Jobgether is a company that is looking for a highly skilled and motivated Senior Data Scientist to join a dynamic, data-driven team.

$139,000–$203,000/yr
US 4w PTO

  • Build and maintain data pipelines integrating financial data from various systems.
  • Ensure data quality, lineage, and governance standards for finance data systems.
  • Build predictive models for customer lifetime value, churn, and revenue forecasting.

Oura empowers individuals to understand and improve their health through their Oura Ring and connected app, providing insights into readiness, activity, and sleep. They are a rapidly growing company focused on helping people live healthier and happier lives.

Europe

  • Develop and deploy credit scoring and behavioural models.
  • Design and run experiments to optimise approval rates.
  • Partner with product squads to embed decision logic into real-time systems.

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets.

$190,000–$210,000/yr
US

  • Build and deploy production machine learning models and pipelines end-to-end.
  • Lead technical innovation across the data science organization.
  • Develop financial models using alternative data sources.

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions.

$165,000–$165,000/yr
US

  • Partner with stakeholders to translate business challenges into data science problems.
  • Own the end-to-end lifecycle of data science models, from data exploration to deployment.
  • Develop scalable and efficient models, balancing algorithmic complexity with business needs.

Ocrolus helps lenders automate workflows with confidence, streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.

$69,300–$97,020/yr
UK

  • Provide ongoing oversight of credit risk by analyzing lending product performance.
  • Partner with first line of defense teams to support credit strategy changes and new product launches.
  • Deliver insights and independent challenge on credit strategies, optimizing decision-making for customers.

Monzo is on a mission to make money work for everyone, waving goodbye to the complicated ways of traditional banking and solving problems rather than selling products.

US

  • Build, lead, and mentor a machine learning engineering team, taking a hands-on approach while assuming increasing management responsibilities as the team grows
  • Design, develop, and deploy machine learning models to strengthen risk management and fraud detection capabilities
  • Own technical direction within the risk and fraud domain, helping define strategy, architecture, and best practices

Jobgether is a company that uses an AI-powered matching process to ensure applications are reviewed quickly, objectively, and fairly against the role's core requirements. They identify the top-fitting candidates, and this shortlist is then shared directly with the hiring company.

Europe

  • Develop and deploy fraud detection, transaction monitoring, and behavioural risk models across payments, accounts, onboarding, and merchant activity.
  • Partner with product and engineering teams to embed models into real-time decisioning systems.
  • Continuously monitor model performance, drift, and emerging fraud patterns.

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets.

US

  • Lead the development, implementation, and optimization of credit strategies across our portfolio of unsecured personal loan products.
  • Own the full lifecycle of credit decisioning, including policy creation, pricing frameworks, testing strategy, and performance monitoring.
  • Build and maintain a best-in-class credit strategy while working closely with Fraud Strategy, Decision Sciences, Engineering, Compliance, and partner banks.

BMG Money's mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses.

$83,200–$166,400/hr

  • Analyze credit risk models and validate underlying assumptions
  • Review PD/LGD/EAD frameworks for accuracy and completeness
  • Identify inconsistencies in risk scoring logic or segmentation criteria

Alignerr is connecting companies with talent. They are a recruiting company.

  • Contribute to the ML Roadmap : Identify and prioritize AI/ML opportunities across key areas such as credit risk, fraud detection, customer acquisition, and churn prevention
  • Prototype & Scale : Design, build, and deploy ML models that brings value to HALA, starting with rapid prototyping and scaling up based on impact
  • Data Strategy : Collaborate with engineering, product, and business teams to improve data collection practices and ensure we’re capturing the right signals for modeling

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. Founded in 2017, HALA has a diverse culture that encourages innovation and flexibility.

  • Conduct exploratory data analyses and develop machine learning models to identify risks.
  • Train and iterate on machine learning models using novel techniques.
  • Debug models when observability shows performance gaps, and iterate on models.

Patreon is a media and community platform allowing creators to give their biggest fans access to exclusive work and experiences and fund the creative class.

$140,000–$220,000/yr
North America

  • Partner closely with AI Decisioning customers and internal engineering teams.
  • Diagnose model behavior, tune ML levers, and analyze incrementality.
  • Explain insights to marketers and executives.

Hightouch is the modern AI platform for marketing and growth teams, partnering with industry leaders like Domino’s, Chime, Spotify, Ramp, Whoop, Grammarly, and over 1000 others.