Senior/Staff Credit Data Scientist

Splash Financial runs a lending marketplace that refinances student loans, credit cards and other consumer debt through a network of credit union and bank partners. It is a remote-first company.

This senior or staff data scientist works on credit risk and pricing. The work includes building and deploying statistical and machine learning models for credit risk, delinquency, defaults and losses, analysing bureau, alternative and loan performance data to improve underwriting and decisioning, building pricing models, developing AI agents and workflows for underwriting and analytics, and working with engineering to put models and pipelines into production in Python. You would also monitor model performance, document methods for governance and fair lending, and mentor colleagues.

Splash wants 8+ years in credit risk analytics, pricing analytics or statistical modelling in consumer lending, ideally unsecured lending or fintech, advanced Python for modelling and production analytics, and strong regression, feature engineering and model validation skills. A master's or PhD is strongly preferred.

Base pay is $143,000 to $220,000 a year, plus a possible performance bonus and equity. Remote, United States only.