Credit Strategy Data Scientist

Global Placement Firm; United States; Remote; USD 95,000 - 140,000; Full time

Job summary

Global Placement Firm is seeking a Credit Strategy Data Scientist to join its fast-growing financial services team. This remote, 12-month contract mid-senior role focuses on predictive modeling and risk mitigation.

You'll partner with cross-functional stakeholders, design data-driven credit strategies, develop dashboards, and communicate insights to executives to support responsible growth.

Qualifications

• Bachelor's degree in CS/Engineering/Math/Statistics or equivalent experience.
• 2+ years in risk analytics, data science, or data analysis, preferably fintech/online payments.
• Proficiency in SQL, Python, and Excel with core data science libraries.
• Experience building dashboards and visualizations (Tableau).
• Ability to analyze large datasets and derive actionable insights.
• Strong communication and cross-functional collaboration.

Responsibilities

• Design and implement data-driven rules to detect and mitigate credit losses.
• Investigate risk cases and identify root causes.
• Refine credit risk strategies across risk categories.
• Collaborate with product and engineering to enhance risk controls.
• Develop dashboards, visualizations, and reports to track KPIs.
• Present data-backed recommendations to stakeholders.

Skills

SQL

Python

Excel

Tableau

Data analysis

Risk analytics

Data visualization

Communication

Dashboards

Big data

Education

Bachelor's degree in CS/Engineering/Math/Statistics

Tools

Tableau

AWS

RaaS platforms

Job description

Credit Strategy Data Scientist

Location: Remote (U.S.-based candidates only) - 12 month contract Full-Time | MidSenior Level | No Visa Sponsorship or Relocation

Overview: 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.

What Youll Do

• 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

Must‑Have Qualifications

• 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

Preferred Skills & Experience

• 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

Expected Outcomes (6‑12 Months)

• Design and deployment of credit strategies based on emerging loss trends
• Creation of performance dashboards and tools to monitor KPIs and credit risk health
• Collaboration with product and engineering teams to implement real‑time credit decisioning
• Delivery of presentations and reports to support strategic decisions at all levels

Key Competencies

• Data Analytics & Visualization
• Credit Rule Development
• Strategic Communication
• Cross‑Functional Collaboration
• Project Ownership & Execution

Interview Process

• At‑home screening assignment
• Technical interview with senior team member
• Final panel interview with hiring manager and team

Team Size: 5 members

Work Style: Close collaboration with senior data scientists initially, with room for independent ownership over time.

Focus Area: Reporting, visualization, and strategy design

This is a high‑impact role at the intersection of data science, risk management, and business strategy perfect for professionals passionate about leveraging data to drive innovation in financial services.