Staff Data Scientist

🔥 13 hours ago

🏄 California – Remote

🏄 California – Remote

💵 $216k - $262k / year

⏰ Full Time

🔴 Lead

📊 Data Scientist

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.Why this score:

• Open for 1 day.
• Jobs at this company usually fill in 53 days.

Apply Now

Find Similar Remote Jobs

Earnest

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2013

💼 Consulting

📣 Marketing

💳 Fintech

Consulting • Marketing • Fintech

Earnest is a financial technology company specializing in refinancing and consolidating student loans. It offers options to help clients reduce their interest rates and tailor loan payments to fit their budgets, without any credit impact. The company focuses on client satisfaction, providing in-house support and flexible refinancing solutions. Earnest's services include refinancing student loans, Parent PLUS refinancing, and personal loans, with the aim of making higher education more affordable and manageable for students and their families. Known for transparent practices and competitive rates, Earnest has refinanced over $19. 6 billion in student loans.

📋 Description

• Own the end-to-end development and delivery of risk science systems, including credit risk scoring, default prediction, fraud detection, and collection scores • Lead the design, backtesting, and validation of credit risk models and loss forecasting frameworks • Serve as the internal subject matter expert on credit risk modeling, loss dynamics, and risk-based decisioning engines • Lead cross-functional risk modeling projects from conception through production deployment • Translate complex risk models, loss projections, and analytical findings for senior leadership, the Risk Committee, and non-technical stakeholders • Mentor and provide technical guidance to data scientists • Partner with Risk, Pricing, Product, Capital Markets, Engineering, Finance, and Compliance leadership • Oversee deployment of scalable, production-grade risk and fraud pipelines, including automated monitoring, stress testing, and alerting • Partner with the MRM team on model validation, fair lending analysis, model governance, and technical documentation

🎯 Requirements

• 8+ years of experience in Python/R and SQL • 7+ years of professional experience in quantitative risk modeling, credit risk analytics, fraud analytics, or applied data science • Master's/PhD in Economics, Statistics, Computer Science, Operations Research, or a related quantitative field • Prior experience in consumer lending, fintech, or financial services with direct technical ownership of credit underwriting or fraud models • Strong expertise in credit risk modeling, default prediction (PD, LGD, EAD), survival analysis, machine learning algorithms such as Gradient Boosted Trees and Logistic Regression, and risk-adjusted return frameworks • Deep proficiency in model lifecycle management, model validation, backtesting, and monitoring applied to credit or fraud risk environments • Proven track record of independently owning and delivering complex, cross-functional modeling initiatives end-to-end • Experience mentoring/managing junior data scientists and contributing to team-wide technical and governance standards • Strong communication skills with the ability to influence stakeholders and present technical concepts clearly to senior audiences • Solid understanding of financial metrics and consumer credit regulations such as FCRA and ECOA/Fair Lending • Experience with cloud production platforms such as AWS, GCP, or Azure • Proficiency with modern data engineering and analytics tooling such as Looker, Airflow, and dbt • Experience leveraging non-traditional data sources or LLM/NLP tools applied to underwriting, fraud detection, or document processing

🏖️ Benefits

• Health, Dental, & Vision benefits plus savings plans • Mac computers + work-from-home stipend to set up your home office • Monthly internet and phone reimbursement • Employee Stock Purchase Plan • Restricted Stock Units (RSUs) • 401(k) plan to help you save for retirement plus a company match • Robust tuition reimbursement program • $1,000 travel perk on each Earnie-versary to anywhere in the world • Competitive days of annual PTO • Competitive parental leave • Annual performance-based bonus • Equity

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume