Senior Credit Data Scientist - Remote, AI-Driven Lending

Splash Financial, Inc.; United States; Remote; USD 143,000 - 220,000; Full time

Benefits offered by this job

Fully remote work freedom

Competitive salary packages

Flexible PTO + 9 company holidays

Equity: Share in our start-up success

Insurance benefits

Paid parental leave

Modern equipment

Claude subscription

401(k)

Quarterly meet-ups

Splash swag

Job summary

Splash Financial is seeking a Senior/Staff Credit Data Scientist with deep expertise in consumer lending and credit risk analytics. You will leverage traditional credit bureau data and alternative data sources to develop predictive models, optimize credit and pricing strategies, and drive data-informed decisions that support responsible and scalable lending growth.

The ideal candidate is proactive, analytical, problem-solving, and collaborative, with strong technical expertise in Python, model

Qualifications

• Bachelor's degree or foreign equivalent in a quantitative field such as Statistics, Mathematics, Economics, CS, Data Science, or Engineering.
• Master's degree or PhD in a related discipline strongly preferred.
• 8+ years of professional experience in credit risk analytics, pricing analytics, or related quantitative functions.

Responsibilities

• Develop and deploy statistical and machine learning models to predict credit risk, delinquency, defaults, and loan losses.
• Analyze credit bureau, alternative, and loan performance data to improve underwriting and pricing.
• Build pricing models that optimize risk-adjusted returns and loan performance.
• Lead cross-functional collaboration with Credit Risk, Product, Engineering, and Finance to translate business challenges into insights.

Skills

Python

Statistical modeling

Credit risk analytics

Pricing analytics

Data manipulation

Model validation

Communication

Cross-functional collaboration

Analytical communication

Education

Bachelor's degree in Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering

Master's or PhD preferred

Job description

Splash Financial is seeking a Senior/Staff Credit Data Scientist with deep expertise in consumer lending and credit risk analytics. You will leverage traditional credit bureau data and alternative data sources to develop predictive models, optimize credit and pricing strategies, and drive data-informed decisions that support responsible and scalable lending growth.

The ideal candidate is proactive, analytical, problem-solving, and collaborative, with strong technical expertise in Python, model