Data Scientist, Risk & Credit AI for Growth

Imprint; New York (NY); Hybrid; USD 150,000 - 230,000; Full time

Benefits offered by this job

Equity

Equipment

Paid time off

Healthcare

One Medical access

FSA

Parental leave

Tech resources

Job summary

Imprint in New York, NY is seeking a Data Scientist, Risk to own modeling powering top-of-funnel credit decisions across acquisition channels. You will build and validate underwriting models, run policy experiments, and design AI-powered monitoring to maintain credit quality while optimizing approvals.

You will partner with Credit Strategy, Product, Engineering, and Marketing to translate data into actionable risk frameworks, segmentation, and channel insights in a fast-growing fintech

Qualifications

• 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field.
• Strong Python and SQL skills to build models and derive datasets from complex financial data.
• Experience building credit risk or targeting models (scorecards, underwriting models) in a regulated environment.
• Deep understanding of statistical inference, experimentation design, and causal analysis.
• Comfort with AI tools and AI-native workflows to accelerate work and build AI-powered systems.
• Full-stack problem-solving orientation: diagnose root causes in messy data and question assumptions.
• Ability to present complex findings clearly to senior leadership and external partners.
• Experience working in a fast-moving startup environment with cross-functional collaboration.

Responsibilities

• Own and improve the full top-of-funnel credit decisioning pipeline across multiple channels.
• Build underwriting, targeting, and segmentation models to expand safe approvals.
• Design and analyze A/B tests and experiments on credit policies with structured readouts.
• Develop channel-level performance models linking application volume to downstream economics.
• Design and build AI-powered monitoring systems to detect anomalies and policy shifts.
• Partner with Credit Strategy, Product, Engineering, and Marketing to develop risk frameworks for new channels.
• Build segmentation frameworks to identify underserved populations for responsible credit expansion.

Skills

Python

SQL

Credit risk modeling

Statistical inference

Experiment design

Data storytelling

Communication

Problem solving

Presentation to leadership

Tools

Snowflake

AWS

Claude/Copilot AI tools

Job description

Imprint in New York, NY is seeking a Data Scientist, Risk to own modeling powering top-of-funnel credit decisions across acquisition channels. You will build and validate underwriting models, run policy experiments, and design AI-powered monitoring to maintain credit quality while optimizing approvals.

You will partner with Credit Strategy, Product, Engineering, and Marketing to translate data into actionable risk frameworks, segmentation, and channel insights in a fast-growing fintech