Senior Credit Modeling Scientist — Risk & Revenue Impact

Paypay; United States; Hybrid; USD 180,000 - 260,000; Full time

Benefits offered by this job

Hybrid work style

Paid time off

Social insurance

Job summary

PayPay is seeking a Senior Data Scientist in PayPay Credit Modeling to lead modeling initiatives from problem framing to production-ready solutions. You will work with product, risk, data engineering, and ML engineering teams to translate research into scalable, reliable models that inform credit decisions.

The role offers ownership of modeling direction, mentoring of colleagues, and opportunities to shape decision policies.

Qualifications

• Bachelor’s degree in a quantitative field; advanced degree a plus.
• 6+ years of data science, with production modeling impact.
• Strong in Python/SQL and capable of explaining complex results.
• Experience validating models and monitoring post-deployment.
• Ability to relate model outputs to financial and customer outcomes.

Responsibilities

• Own the modeling approach from problem framing to evaluation and recommendation.
• Develop and evaluate models using large, varied datasets; ensure explainability.
• Set evaluation standards, detect leakage and bias, and use time-aware tests.
• Estimate effects on revenue, losses, exposure, and portfolio quality.
• Guide production-ready models with ML engineers; monitor deployed behavior.
• Communicate findings and trade-offs to technical and non-technical stakeholders.
• Lead discussions, mentor colleagues, and establish reusable practices.

Skills

Statistical modeling

Supervised learning

Feature engineering

Model interpretation

Validation & experimentation

Time-aware evaluation

Calibration

Bias/selection effects

Monitoring production

Python

SQL

Distributed data processing

Education

Bachelor’s degree in quantitative field

Tools

scikit-learn

XGBoost

Databricks

Spark

BigQuery

Amazon Redshift

Kafka

Kinesis

Job description

PayPay is seeking a Senior Data Scientist in PayPay Credit Modeling to lead modeling initiatives from problem framing to production-ready solutions. You will work with product, risk, data engineering, and ML engineering teams to translate research into scalable, reliable models that inform credit decisions.

The role offers ownership of modeling direction, mentoring of colleagues, and opportunities to shape decision policies.