Senior Data Scientist – Credit and Lending ML

🔥 26 minutes ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

🏄 California, New York, +1 more states – Remote

🏄 California – Remote 🗽 New York – Remote 🌲 Oregon – Remote

💵 $166.6k - $298.8k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

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Mercury

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2017

💳 Fintech

🏦 Banking

☁️ SaaS

Fintech • Banking • SaaS

Mercury is a software-driven fintech that provides business and personal banking products built for startups and small to mid-size companies. Its platform offers business checking and savings, Treasury products, business credit cards and spend management, payments and invoicing, accounting integrations and AI-powered automations, plus APIs and developer tools. Mercury partners with FDIC-insured banks to offer deposit protection, emphasizes virtual cards, granular spend controls, and workflow automations for teams, agencies, ecommerce brands, VC funds, and crypto businesses. The product is positioned as an all-in-one banking and finance platform delivered through a modern app and API.

📋 Description

• Build and own models behind the lending program, including transaction classification, recurring inflow/outflow detection, annual revenue estimation, seasonal forecasting, and anomaly detection • Turn bank transactions, storefront sales, and other messy data streams into a defensible view of a business's health • Deploy models into production with observability, monitoring, and tests • Partner with Credit on underwriting policy, including requested data, follow-up information, and uncertainty quantification • Partner with Product on principal sizes, pricing, and repayment terms • Assess where predictive modeling can improve the underwriting program • Set the technical bar for ML in Credit

🎯 Requirements

• 3+ years building ML models • At least 1 year in lending or credit algorithms • Some exposure to using deep-learning / transformer models in a professional context • Strong in Python, with experience working on production-grade services • Strong in SQL and at home in a data warehouse • Able to explain a model to a credit officer, a model validator, a PM, and an engineer • Able to set modeling standards for data-science colleagues • Quantitative degree, or the equivalent built some other way

🏖️ Benefits

• Base salary • Equity (stock options/RSUs) • Benefits • Equal Employment Opportunity employer • Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs

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