Credit Strategy Data Scientist

Global Placement Firm • San Jose, CA

21h • Remote

About The Position

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.

Requirements

• 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

Nice To Haves

• 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

Responsibilities

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level