Data Scientist, Credit Risk – Under-Collateralized Lending

Unchain Data; San Francisco (CA); Hybrid; USD 170,000 - 230,000; Full time

Benefits offered by this job

Hybrid work model

Stock options

Job summary

Unchain Data is seeking a Data Scientist to drive credit risk intelligence for our undercollateralized lending platform. You will own portfolio monitoring, model performance, and guidance that shapes risk strategy and underwriting policy.

You will partner with product, research, and engineering to translate insights into measurable growth strategies and dashboards. The role offers a hybrid model based in San Francisco with in-office days.

Qualifications

• 4+ years in decision science, credit risk analytics, or fintech data roles.
• Deep Python and SQL proficiency; able to own analyses end-to-end.
• Well-versed in PD/LGD modeling, scorecards and risk segmentation.

Responsibilities

• Monitor credit risk models including underwriting and loss forecasting.
• Build scalable data pipelines and dashboards to track portfolio health.
• Collaborate with product, research and engineering to define metrics.
• Design and analyze experiments to evaluate product/policy changes.
• Translate findings into clear, actionable risk strategies.

Skills

Python

SQL

PD/LGD Modeling

Risk Metrics

A/B Testing

Cross-functional Collaboration

End-to-end Analytics

Data Pipelines

Tools

Grafana/Prometheus/Metabase

Dune

Shovel

Ponder

Goldsky

Job description

Unchain Data is seeking a Data Scientist to drive credit risk intelligence for our undercollateralized lending platform. You will own portfolio monitoring, model performance, and guidance that shapes risk strategy and underwriting policy.

You will partner with product, research, and engineering to translate insights into measurable growth strategies and dashboards. The role offers a hybrid model based in San Francisco with in-office days.