Risk Data Scientist - AI-Driven Credit Growth

Risk Hub; New York, San Francisco (NY, CA); Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Competitive compensation

Equity packages

Configured work computers

Flexible PTO

Healthcare coverage

One Medical access

FSA option

Parental leave

Technology resources

Job summary

Imprint is hiring a Data Scientist, Risk, to own modeling powering top-of-funnel credit decisions across acquisition channels. You will build underwriting models and policy experiments while improving approval rates.

Work with Credit Strategy, Product, Engineering, and Marketing to deploy AI-powered systems that monitor performance and adjust risk policies in real time. A strong background in Python, SQL, and credit risk modeling is required; fintech startup experience is a plus.

Qualifications

• 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field
• Strong Python and SQL skills, with the ability to build models, transform raw data, and create custom datasets from complex financial data
• Experience building credit risk or targeting models (scorecards, underwriting models, segmentation) or similar predictive modeling in a regulated environment
• Deep understanding of statistical inference, experimentation design, and causal analysis
• Comfort with AI tools and AI-native workflows; you actively use tools like Claude, Copilot, or similar
• Full-stack problem-solving orientation; you dive into messy data and trace declines to root causes
• Ability to present complex findings clearly to technical and non-technical audiences
• Comfort owning projects end-to-end in a fast-moving startup environment

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
• Connect application volume to downstream economics like LTV and CAC
• Develop AI-powered monitoring systems to detect anomalies and adjust policies
• Collaborate with Credit Strategy, Product, Engineering, and Marketing
• Create segmentation frameworks to identify underserved populations

Skills

Python

SQL

Credit risk modeling

Statistical inference

AI tooling

Data storytelling

End-to-end ownership

Tools

Snowflake

AWS

Job description

Imprint is hiring a Data Scientist, Risk, to own modeling powering top-of-funnel credit decisions across acquisition channels. You will build underwriting models and policy experiments while improving approval rates.

Work with Credit Strategy, Product, Engineering, and Marketing to deploy AI-powered systems that monitor performance and adjust risk policies in real time. A strong background in Python, SQL, and credit risk modeling is required; fintech startup experience is a plus.