Achieve · 4 hours ago
Sr. Data Scientist (Credit Risk)
Tempe, AZ
Full-time
Hybrid
Mid, Senior Level
$150K/yr - $185K/yr
3+ years expAchieve is a leading digital personal finance company that provides innovative financial solutions. They are seeking an experienced Sr. Data Scientist in Credit Risk to build and enhance credit risk models, analyze large data sets, and communicate insights to various business stakeholders.
Financial Services
No H1B
Responsibilities
Building, maintaining and enhancing credit risk models for lending portfolios
Extract, clean and manipulate large data sets using SQL and Python; build pipelines and analytics to perform model and portfolio monitoring
Perform exploratory data analysis (EDA) to identify portfolio trends, drivers of loss performance (vintage, credit bands, borrower attributes, macro factors) and provide insight into model deviations
Maintain forecast deliverables: monthly/quarterly loss forecasts by vintage and segment, stress and scenario analyses, sensitivity testing
Provide commentary and insights to business stakeholders on credit policy assumptions, model health, and emerging portfolio risks
Automate reporting, dashboards and pipelines to streamline model monitoring and improve efficiency and accuracy
Document model methodologies, assumptions, data sources and results in clear, audit-ready format consistent with risk governance requirements
Participate in governance and review of credit model methodology, model validation support and liaise with external auditors or regulators where needed
Continuously identify opportunities to improve credit decisioning accuracy, data infrastructure, modeling techniques, and integrate advanced statistical or machine-learning techniques as appropriate
Qualification
Required
Minimum of 3 years' hands-on experience in credit risk modeling and portfolio monitoring. For example, roles in model and performance monitoring, tracking charge-offs, delinquencies, vintage analysis, roll-rates, etc
Strong programming skills in Python/SQL for data analysis, modeling and automation
Solid background in Probability & Statistics
Experience with pricing and price optimization along with analytics and monitoring related to pricing
Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis, vintage modeling, roll-rate curves, survival analysis or logistic regression in consumer credit risk context
Familiarity with data visualization tools (e.g., Tableau, Python Widgets) or dashboarding
Strong analytical and critical thinking skills; ability to interpret results, identify trends, draw actionable insights and communicate clearly to non-technical stakeholders
Excellent documentation skills and experience in preparing audit-ready deliverables (methodologies, assumptions, model validation support)
Master's degree in Economics, Statistics, Mathematics, Data Science or a related quantitative discipline (PhD preferred, but not required)
Preferred
Experience in lending (personal loans or credit cards) or fintech lending environment
Experience with credit risk modeling (development & monitoring)
Experience working with credit decisioning engines such as Oscilar, TakTile etc…
Experience working in CKLightbox environment
Experience working in the GCP environment
A Passion for fintech, agile environment, ability to work both independently and in a collaborative, fast-paced team
Benefits
Hybrid and remote work opportunities
401 (k) with employer match
Medical, dental, and vision with HSA and FSA options
Competitive vacation and sick time off, as well as dedicated volunteer days
Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
Up to $5,250 paid back to you on eligible education expenses
Pet care discounts for your furry family members
Financial support in times of hardship with our Achieve Care Fund
A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
Company
Achieve
Achieve is the leader in digital personal finance, built to help everyday people thrive.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Bradford Stroh
Co-CEO/Founder
Carlyn Lamia
Vice President Strategic Initiatives, Chief of Staff to CEO
Recent News
2025-02-13
Company data provided by crunchbase