Senior/Staff Credit Data Scientist

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $143k - $220k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

👻 Ghost score 0%

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Splash Financial

WebsiteLinkedInAll Job Openings

51 - 200 employees

💼 Consulting

🏥 Healthcare

🛡️ Insurance

Consulting • Healthcare • Insurance

Splash Financial is a company that offers a variety of loan products, including personal loans, student loan refinancing, in-school student loans, and medical school loan refinancing. The company provides a platform where users can compare loan offers from multiple lenders across the United States. Splash Financial emphasizes ease of use, allowing users to check loan rates quickly without affecting their credit scores. The company ensures data privacy and offers customer support to assist with the loan process. It serves individuals seeking to manage debt or finance educational expenses through tailored loan solutions.

📋 Description

• Develop and deploy statistical and machine learning models to predict credit risk, delinquency, defaults, and loan losses • Analyze credit bureau, alternative, and loan performance data to improve underwriting, risk segmentation, and credit decisioning • Build quantitative pricing models optimizing risk-adjusted returns, loan performance, and conversion • Develop and evaluate AI-powered agents and workflows for underwriting, pricing, and analytical operations • Apply advanced statistical methods, feature engineering, and model validation techniques • Partner with Engineering to deploy scalable, production-ready models and analytical pipelines using Python and other data science tools • Monitor model performance, investigate data anomalies, and implement improvements based on portfolio trends and realized outcomes • Document modeling methodologies and incorporate model governance, fair lending, data privacy, and responsible AI considerations • Lead complex data science initiatives, mentor colleagues, and provide feedback on analytical approaches and technical implementations • Collaborate with Credit Risk, Product, Engineering, and Finance to translate business challenges into actionable insights and measurable outcomes

🎯 Requirements

• Bachelor's degree or foreign equivalent in Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or a closely related quantitative field • Minimum of 8 years of progressively responsible professional experience in credit risk analytics, pricing analytics, statistical modeling, or related quantitative functions within consumer lending • Advanced proficiency in Python • Expertise in regression analysis, predictive modeling, feature engineering, model validation, and performance evaluation • Strong understanding of consumer lending credit risk and pricing methodologies • Ability to apply advanced quantitative methodologies to complex financial datasets • Ability to interpret analytical findings and develop data-driven recommendations • Strong communication and collaboration skills • Master's degree or PhD in a related discipline is strongly preferred

🏖️ Benefits

• Fully remote work freedom (for most roles) • Competitive salary packages • Flexible PTO + 9 company holidays • Equity: Share in our start-up success • Comprehensive and affordable insurance benefits • Paid parental leave for both caregivers • Essential modern equipment to get the job done • Fully paid Claude subscription to supercharge your work • 401(k) for your future savings • Quarterly meet-ups: In person & virtual fun • Awesome Splash swag to flaunt your team spirit • Bonus component tied to individual and company performance may be available

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