Data Scientist, Risk

Tech Stack

Responsibilities

• Own and improve the full top-of-funnel credit decisioning pipeline: application scoring, policy rules, decline waterfalls, and approval rate optimization across various acquisition channels.
• Build and iterate on underwriting, targeting, and segmentation models that expand safe approvals and improve channel-level acquisition quality.
• Design and analyze A/B tests and champion/challenger experiments on credit policies, establishing a test-and-learn cadence.
• Build channel-level performance models that connect application volume to downstream economics: approval rates, expected losses, LTV, CAC, and contribution profit.
• Design and build agentic workflows and AI-powered monitoring systems that autonomously detect approval rate anomalies, diagnose score drift, and recommend policy adjustments.

Soft Skills

Benefits

• Equity
• FSA
• Flexible PTO
• Health Insurance
• Mental Health
• Parental Leave

Culture