Credit Strategy Data Scientist
Job Description:
Credit Strategy Data Scientist
Location: Remote (U.S.-based candidates only) - 12 month contract
Full-Time | MidSenior Level | No Visa Sponsorship or Relocation
Overview
A fast-growing financial services organization is seeking a Credit Strategy Data Scientist to join its high-performing Credit Risk Strategy team. This is an exciting opportunity for a data-savvy professional with fintech or payments industry experience to help drive business-critical decisions through advanced analytics, predictive modeling, and risk mitigation strategies.
You will work on end-to-end development of data-driven credit solutionspartnering closely with cross-functional stakeholders to design, execute, and refine credit strategies that support responsible growth and customer success.
What Youll Do
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Design and implement data-driven rules to detect and mitigate credit
losses - Investigate complex and high-impact risk cases and identify root causes
- Set and refine credit risk strategies across various risk categories
- Collaborate with product and engineering teams to enhance risk control capabilities
- Lead the development of dashboards, visualizations, and reports to track credit KPIs
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Present data-backed recommendations to stakeholders and executives
Use large-scale datasets to uncover patterns and drive risk optimization
- Work with RaaS platforms to analyze loss trends and apply strategic adjustments
Must-Have Qualifications
- Bachelors degree in Computer Science, Engineering, Mathematics, Statistics, Data Mining, or a related field (or equivalent practical experience)
- 2+ years of hands-on experience in risk analytics, data science, or data analysispreferably within fintech or online payments
- Proficiency in SQL, Python, and Excel, including core data science libraries
- Proven ability to work with large datasets and derive actionable insights
- Experience developing and communicating dashboards and visualizations (e.g. Tableau)
- Strong communication skills and ability to translate complex analysis to diverse audiences
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Demonstrated data-driven decision-making and solution development
Preferred Skills & Experience
- Experience applying data science to credit risk and loss mitigation problems
- Familiarity with AWS, payment rule systems, or credit product lifecycles
- Strong project management skills and ability to drive analytics from concept to execution
- Comfortable working in fast-paced, ambiguous environments with shifting priorities
Expected Outcomes (6-12 Months)
- Design and deployment of credit strategies based on emerging loss trends
- Creation of performance dashboards and tools to monitor KPIs and credit risk health
- Collaboration with product and engineering teams to implement real-time credit decisioning
- Delivery of presentations and reports to support strategic decisions at all levels
Key Competencies
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Data Analytics & Visualization
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Credit Rule Development
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Strategic Communication
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Cross-Functional Collaboration
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Project Ownership & Execution
Interview Process
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At-home screening assignment
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Technical interview with senior team member
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Final panel interview with hiring manager and team
Team Size: 5 members
Work Style: Close collaboration with senior data scientists initially, with room for independent ownership over time.
Focus Area: Reporting, visualization, and strategy design
This is a high-impact role at the intersection of data science, risk management, and business strategyperfect for professionals passionate about leveraging data to drive innovation in financial services.