Data Scientist

Data Scientist

REMOTE (located in the Central USA)

Salary: $90-130k

Position Overview

This opportunity is with an innovative online subprime lending company seeking a highly motivated and experienced Data Scientist looking to gain experience in Consumer Credit Analysis to support and enhance our credit underwriting strategy. This individual will play a critical role in developing, monitoring, and optimizing credit underwriting models while partnering cross-functionally with leadership, compliance, engineering, and third-party vendors. The ideal candidate brings expertise in analytical and financial modeling skills, and the ability to drive strategic credit initiatives from concept through execution.

Key Responsibilities

Credit Underwriting & Model Development

● Lead the development, enhancement, and performance monitoring of credit underwriting models and decision strategies.

● Analyze portfolio performance, borrower behavior, and risk trends to improve approval and pricing outcomes.

● Design and evaluate new credit policy rules, scorecards, and segmentation approaches.

Financial & Risk Analysis

● Perform deep financial analysis related to loan performance, profitability, loss forecasting, and credit exposure.

● Build reporting tools and dashboards to communicate key credit metrics and trends to leadership.

● Support business decisions through data-driven insights and scenario modeling.

Vendor & Lead Management

● Manage relationships with third-party credit bureaus, alternative data providers, and underwriting technology vendors.

● Evaluate vendor performance, data integrity, and compliance alignment.

● Support lead acquisition strategy through risk-based analytics and channel performance review.

Compliance & Regulatory Support

● Ensure underwriting and credit processes adhere to federal and state lending regulations, internal policies, and fair lending standards.

● Partner with compliance teams to support audits, examinations, and documentation requirements.

● Assist in developing governance around model risk management and credit policy changes.

Cross-Functional Collaboration & Engineering Support

● Work closely with engineering and product teams to implement underwriting logic and credit model improvements in production systems.

● Translate business requirements into technical specifications for decisioning and reporting workflows.

● Support testing, validation, and deployment of credit strategies and system enhancements.

Business Strategy & Leadership

● Provide strategic recommendations to executive leadership on credit risk appetite, growth opportunities, and portfolio optimization.

● Contribute to long-term business planning through risk-informed credit strategy.

● Mentor junior analysts and help build scalable credit analytics processes.

Required Qualifications

● Advanced proficiency in Microsoft Excel (pivot tables, advanced formulas, modeling).

● Strong proficiency in MS SQL Server (writing complex queries, data extraction, reporting).

● Demonstrated ability to work across compliance, engineering, and business teams.

● Excellent communication skills with the ability to present insights to senior leadership.

Preferred Qualifications

● Experience with automated decisioning platforms and credit model implementation.

● Familiarity with fair lending laws, consumer finance regulations, and model governance.

● Background in financial forecasting, profitability modeling, and risk-based pricing.

● Experience in a high-growth fintech or digital lending environment.

Key Competencies

● Analytical and detail-oriented mindset

● Strong business judgment and strategic thinking

● Ability to operate independently in a remote environment

● Collaborative leadership across technical and non-technical teams

● Results-driven with a focus on scalable credit solutions