Data Scientist

NinjaHoldings; Chicago (IL); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Flexible Paid Time Off

Health Benefits with medical, dental,

401(k) with matching contribution

Paid Family Leave

Annual Wellness & Wellness Subsidies

Employee Referral Program

Remote first culture with convenient ‑

Job summary

NinjaHoldings in Chicago, IL is seeking a Data Scientist to build predictive lending models, analyze consumer risk, and collaborate with software engineers to deploy analytics into production.

You will work with cross-functional teams on data-driven insights, design A/B tests, and develop automated dashboards. A Bachelor's degree and 2+ years of experience are required; advanced quantitative degrees are a plus. Remote-first culture with downtown office access.

Qualifications

• Bachelor's degree required.
• 2+ years of professional experience with data analytics and statistical modeling.
• Experience with relational databases and SQL.
• Programming experience with Python.
• Strong quantitative and problem-solving skills with key attention to detail.
• Experience supporting and working with cross-functional teams in a dynamic environment.

Responsibilities

• Build predictive models to optimize lending decisions using advanced statistical modeling and simulation techniques.
• Use advanced data analytics to understand consumer risk behavior trends and portfolio impact.
• Support the implementation of models by collaborating with software engineers and performing post-release checks.
• Assist with development of technical tools and platforms to standardize model development and monitoring processes.
• Establish key performance metrics and develop automated dashboards using SQL and Python.
• Design A/B testing for models and underwriting strategies, evaluate impact, and provide recommendations.
• Work with cross-functional teams to uncover insights and provide recommendations.
• Communicate concise and actionable business strategies to senior management.

Skills

Data analytics

Statistical modeling

SQL

Python

Cross-functional teamwork

Attention to detail

Education

Bachelor's degree

Advanced degree preferred

Job description

Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.

Key Responsibilities:

• Build predictive models to optimize lending decisions by using advanced statistical modeling and simulation techniques
• Use advanced data analytics to understand consumer risk behavior trends, their impact on the portfolio, and resulting business opportunities
• Support the implementation of models by working closely with the software engineering team and performing post release checks and analysis
• Assist with development of technical tools and platforms to standardize and streamline model development and monitoring processes
• Establish key performance metrics and develop automated reporting dashboards using SQL and Python
• Design A/B testing for models and underwriting strategies, evaluate impact, and provide recommendations
• Work with cross-functional teams to explore new ways of finding insights from data and provide recommendations
• Communicate concise and actionable business strategies to senior management

Ideal Candidate Will Have:

• Bachelor's degree required
• 2+ years of professional experience with data analytics and statistical modeling
• Experience with relational databases and SQL
• Programming experience with Python
• Strong quantitative and problem-solving skills with key attention to detail
• Experience supporting and working with cross-functional teams in a dynamic environment

Additional Pluses:

• Advanced degree in a quantitative discipline (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
• Experience working with specialty finance or FinTech
• Marketing analytical experience

Benefits & Perks:

• Flexible Paid Time Off
• Health Benefits with generous medical, dental and vision insurance plans
• 401(k) with matching contribution
• Paid Family Leave
• Annual Wellness & WFH Subsidies
• Employee Referral Program
• Remote first culture with convenient downtown office in the heart of the city

IMPORTANT NOTICE:

Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.