Zepz · 7 hours ago
Data Scientist, Credit Risk
United States
Full-time
Remote
Senior Level
5+ years expZepz is committed to breaking down barriers for cross-border communities through innovative financial solutions. They are seeking a Data Scientist to assess and manage consumer credit risk, analyze credit exposure, and develop machine learning models to improve risk metrics.
Financial ServicesFinTechMobile PaymentsPayments
Responsibilities
Analyzing credit risk exposure
Collaborating with different teams to improve our risk metrics
Developing machine learning models for credit and fraud risk
Streamlining our monitoring processes
Contributing to our credit risk strategy and portfolio management in partnership with our Product and Finance teams
Qualification
Required
Experience: You have 5-8 years of experience in consumer credit risk management
Technical Skills: Proficiency in SQL and Python
Credit Risk Expertise: Experience in formulating credit risk policies and making underwriting decisions
Analytical Skills: Ability to assess customers' creditworthiness using diverse data sources and predictive analytics to set credit limits that balance growth with minimized risk, especially for consumers with 'thin credit files'
Risk Monitoring: You're skilled in monitoring and analyzing key loss indicators, identifying trends, and improving credit risk strategies to optimize approval rates, customer utilization, and loss performance
Statistical and Analytical Tools: Proficiency in using statistical and analytical tools, including machine learning frameworks, for credit risk and fraud detection
Organizational Skills: Strong organizational and project management skills, with experience managing multiple projects in a fast-paced environment
Decision-Making: Ability to make sound, data-informed decisions in new and ambiguous situations with minimal guidance
Reporting and Automation: Experience in supporting, building, and automating reports and operational processes
Collaboration: Proven ability to work and communicate effectively with cross-functional teams, including Engineering, Data, Product, and Finance
Preferred
Growth Mindset: A passion for learning and growing, with a willingness to embrace challenges
Fintech Experience: Experience in Fintech or startup environments is a plus but not required
Education: An educational background in Finance, Economics, Statistics, Data Science, or a related discipline is beneficial but not a hard requirement
Benefits
Unlimited annual leave
Great healthcare benefits
Employee discounts
Company
Zepz
Zepz is a global digital cross-border payments platform that enables international money transfers.
501-1000 employees
H1B Sponsorship
Zepz 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
2020 (1)
Funding
Current Stage
Late StageTotal Funding
$1.09BKey Investors
HSBC Innovation BankingAccelFarallon Capital Management
2025-04-01Debt Financing· $165M
2024-10-04Series F· $267M
2021-08-23Series E· $292M
Leadership Team
Dave Burns
People Business Partner
Recent News
2026-01-10
2025-12-24
BusinessCloud
2025-12-24
Company data provided by crunchbase