Splash Financial - Senior/Staff Credit Data Scientist
Requirements
• Bachelor's degree or foreign equivalent in Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or a closely related quantitative field that provides specialized knowledge directly applicable to credit risk and pricing analytics. A Master's degree or PhD in a related discipline is strongly preferred. • Minimum of 8 years of progressively responsible professional experience in credit risk analytics, pricing analytics, statistical modeling, or related quantitative functions within consumer lending, preferably in unsecured consumer lending or a fintech environment. • Advanced proficiency in Python, including its application to statistical analysis, predictive modeling, data manipulation, and the development of production-quality analytical solutions. • Demonstrated expertise in statistical and quantitative modeling techniques, including regression analysis, predictive modeling, feature engineering, model validation, and performance evaluation. • Strong understanding of consumer lending credit risk and pricing methodologies, including credit decisioning, risk assessment, loan performance analysis, and risk-based pricing optimization. • Proven ability to apply advanced quantitative methodologies to complex financial datasets, interpret analytical findings, and develop data-driven recommendations that inform credit and pricing strategies. • Strong communication and collaboration skills, with the ability to translate complex analytical concepts into actionable business insights, provide and receive constructive feedback, and contribute effectively to cross-functional decision-making.
Responsibilities
• 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 that optimize risk-adjusted returns, loan performance, and conversion. • Develop and evaluate AI-powered agents and workflows to enhance underwriting, pricing, and analytical operations. • 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 changing portfolio trends and realized outcomes. • Document modeling methodologies and incorporate applicable model governance, fair lending, data privacy, and responsible AI considerations. • Lead complex data science initiatives, mentor colleagues, and provide constructive feedback on analytical approaches and technical implementations. • Collaborate cross-functionally with Credit Risk, Product, Engineering, and Finance to translate business challenges into actionable insights and measurable outcomes.
Benefits
• The base salary range for this role is $143,000 to $220,000 annually, based on market data and internal compensation practices. This role may also be eligible for a bonus component tied to individual and company performance. Final compensation will be determined by factors such as location, experience, and skill level. • SPLASHERS ENJOY: • SPLASHERS ENJOY: • 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
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