Carvana · 19 hours ago
Senior Data Scientist, Predictive Modeling, Credit & Risk
Tempe, AZ
Full-time
Onsite
Senior Level
5+ years expCarvana is a rapidly growing automotive retailer that is redefining the car buying and selling experience. They are seeking a Senior Data Scientist to enhance credit and risk modeling through the development and implementation of advanced predictive models that improve decision-making across the business.
AutomotiveAutonomous VehiclesE-Commerce
Responsibilities
Improve core credit and risk models through a sequence of incremental advancements in accuracy, robustness, and coverage over time
Leverage a wide range of structured and unstructured data sources across multiple modalities to drive sustained improvements in model accuracy and decision quality
Design, train, and deploy advanced machine learning models, including (but not limited to) gradient boosting, representation learning, embeddings, and transformer-based approaches
Use high-impact models as a testing ground for new techniques and data modalities, validating which ideas deliver measurable lift in production
Build and apply rigorous evaluation frameworks (offline validation, backtests, simulations, online experiments) to guide iteration and decision-making
Exercise strong judgment about model complexity and tradeoffs, balancing sophistication with reliability and maintainability
Partner closely with data engineering and platform teams to ensure models are production-ready, scalable, monitorable, and maintainable
Translate successful work into reusable patterns, abstractions, or signals that can be adopted across other modeling efforts
Serve as a technical leader within the Predictive Modeling organization through design reviews, code reviews, and informal mentorship
Qualification
Required
5-8+ years of experience building and deploying predictive models in production environments
A demonstrated track record of delivering models and improving them iteratively over time, not just developing them offline
Strong experience with modern machine learning techniques (e.g., LightGBM/XGBoost, neural networks, representation learning)
Excellent statistical intuition, including comfort reasoning about bias/variance tradeoffs, generalization, and experimental validity
Fluency in Python and SQL, with production-quality coding standards
Proven ability to take ambiguous, open-ended modeling problems from idea → experiment → production impact
Preferred
Hands-on experience with embeddings, transformers, or other deep representation models in real-world systems
Experience integrating unstructured or semi-structured data (text, images, documents, device signals) into predictive models
Familiarity with model monitoring, drift detection, and retraining strategies for high-impact decision systems
Experience working in credit, risk, fraud, underwriting, or similar high-stakes modeling environments
An advanced degree in a quantitative field is welcome but not required if you have equivalent industry experience
Research experience is a plus only if paired with a strong bias toward delivery and production impact
Benefits
Medical, Dental, and Vision benefits.
401K with company match.
A multitude of perks including student loan payments, discounts on vehicles, benefits for your pets, and much more.
A great wellness program to keep you healthy and happy both physically and mentally.
Access to opportunities to expand your skill set and share your knowledge with others across the organization.
A company culture of promotions from within, with a start-up atmosphere allowing for varied and rapid career development.
Company
Carvana
Carvana is an e-commerce platform that buys and sells used cars.
10001+ employees
H1B Sponsorship
Carvana 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 (44)
2024 (51)
2023 (23)
2022 (106)
2021 (59)
2020 (36)
Funding
Current Stage
Public CompanyTotal Funding
$5.16BKey Investors
Stellantis-FsAlly Financial
2025-11-19Post Ipo Debt· $99M
2023-07-27Post Ipo Equity· $225M
2022-02-24Post Ipo Debt· $3.27B
Leadership Team
Ernie Garcia
Founder and CEO
Shekita Hayes
Co-Founder/COO
Recent News
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2026-01-16
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