Credit Risk ML Scientist – Fintech, Remote

Prosper; San Francisco, Phoenix (CA, AZ); Hybrid; USD 129,000 - 179,000; Full time

Benefits offered by this job

401(k) with 5% match

Health coverage

Flexible time off

Udemy access

Childcare assistance

Pet insurance

Beneplace discounts

Job summary

Prosper is seeking a Data Scientist to join the Data Science team in the Credit Risk Analytics vertical. You will contribute ML expertise to build models for credit and fraud risk, leveraging complex data sources at scale and collaborating with engineers to deploy them in production.

You will help shape risk strategies within regulatory guidelines and drive improvements in key business metrics. The role emphasizes responsible AI, data-driven decision making, and cross-functional collaboration

Qualifications

• 3+ years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques
• Advanced degree (M.S./PhD) in statistics, CS, engineering, physical sciences, economics, or related field
• Sr. level: M.S. with 6+ years of experience or PhD with 3+ years of experience
• Expert knowledge in Python and SQL
• Strong communication skills to explain technical topics to stakeholders
• Self-motivated, able to work in fast-paced environments and manage multiple projects

Responsibilities

• Build industry-leading ML models for credit and fraud risk.
• Leverage diverse data sources at scale to improve credit performance and risk decisions.
• Collaborate with engineers to deploy models in production.
• Propose and execute data-driven solutions within business constraints.
• Follow responsible AI practices and regulatory requirements.
• Monitor ML models in production and iterate as needed.
• Communicate findings clearly to team and management.
• Conduct ad-hoc risk analysis across business areas.

Skills

Python

SQL

Machine Learning

Communication

Collaboration

Independent work

Regulatory mindset

Reproducible research

Education

M.S./PhD in statistics or related field

6+ years experience (M.S.) or 3+ years (PhD) for Sr.

Tools

Python

SQL

Job description

Prosper is seeking a Data Scientist to join the Data Science team in the Credit Risk Analytics vertical. You will contribute ML expertise to build models for credit and fraud risk, leveraging complex data sources at scale and collaborating with engineers to deploy them in production.

You will help shape risk strategies within regulatory guidelines and drive improvements in key business metrics. The role emphasizes responsible AI, data-driven decision making, and cross-functional collaboration