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Credit Strategy Data Scientist
Credit Strategy Data ScientistGlobal Placement Firm • San Jose, California, United States
Credit Strategy Data Scientist

Credit Strategy Data Scientist

Global Placement Firm • San Jose, California, United States
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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

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

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 analysis preferably 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

    • 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

    Data Analytics & Visualization

    Credit Rule Development

    Strategic Communication

    Cross-Functional Collaboration

    Project Ownership & Execution

    Interview Process

    At-home screening assignment

    Technical interview with senior team member

    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 strategy perfect for professionals passionate about leveraging data to drive innovation in financial services.

    Apply now to help shape the future of responsible credit risk management.

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