VantageScore® · 4 months ago
Data Scientist
DC-Baltimore Area
Full-time
Hybrid
Mid, Senior Level
$120K/yr - $130K/yr
3+ years expVantageScore is a leading credit modeling company focused on delivering innovative and inclusive credit scoring solutions. The Data Scientist (Credit File Expert) will analyze credit bureau data, conduct consumer profiling, and support product development initiatives while ensuring a deep understanding of credit file formats and reporting practices.
CreditSoftware
Responsibilities
Provide research support by analyzing structured and unstructured data sets to generate actionable insights, guide product management, and inform new product development
Conduct comprehensive consumer profiling analyses leveraging credit file data alongside alternative data sources
Interpret and document bureau file specifications and schemas, staying current with changes and bureau-specific nuances, coding schemes, and reporting idiosyncrasies
Conduct advanced exploratory data analyses to uncover insights and trends in consumer credit behavior
Drive pilot program analyses, including back-testing, rejection inference, and performance analyses using diverse data sets
Improve and maintain existing model monitoring processes and develop compelling data visualizations and dashboards to communicate key insights to stakeholders
Partner with engineers to operationalize products into production systems, ensuring scalability and resilience at high data and inference volumes
Translate complex analyses into clear, actionable business recommendations for both technical and non-technical audiences
Contribute to thought leadership through white papers, presentations, and insights shared internally and externally
Qualification
Required
Master's or PhD Degree in a quantitative background (data science, applied mathematics or statistics, computer science, engineering, econometrics or another related field)
At least 3 years of direct experience manipulating and analyzing credit bureau data and applying advanced analytics (statistics, machine learning) in research and/or corporate environment
Demonstrated proficiency in credit bureau file reporting standards and data conventions at Equifax, Experian, and TransUnion, with an ability to identify, interpret, and reconcile differences across bureaus
Strong foundation in data science, statistics, and advanced analytics, with the ability to design rigorous analyses and clearly communicate results
Proven ability to bridge technical analytics expertise with domain knowledge of credit data to deliver insights and develop impactful solutions
Strong track record of conducting research, developing analyses, and producing clear and impactful presentations or publications
Advanced programming skills in Python and working experience with SAS
Experience working in Agile and cross-functional teams
Company
VantageScore®
VantageScore empowers financial institutions to make smarter lending decisions.
51-200 employees
H1B Sponsorship
VantageScore® has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (2)
2022 (1)
Funding
Current Stage
Growth StageLeadership Team
Silvio Tavares
President and CEO
Recent News
2025-11-08
Company data provided by crunchbase