Senior Data Scientist

Harnham; Miami (FL); Hybrid; USD 153,000 - 187,000; Full time

Job summary

Harnham is partnering with a high-growth fintech in Miami to hire a Data Scientist focused on growth, credit risk, and pricing strategy. You will own production models that influence credit approval, risk-based pricing, and experimentation across the customer lifecycle.

Expect 4–8 years in Data Science within lending or related sectors, with experience deploying production models and a strong AB test mindset.

Qualifications

• 4–8 years in Data Science within lending/fintech/banking/insurance or adjacent sectors
• Experience building predictive models used for commercial decision making
• Exposure to credit risk, underwriting, pricing, customer value, marketing science, or decision science
• Experience deploying or monitoring production models
• Strong experimentation/A-B testing mindset
• Cloud experience (AWS preferred)

Responsibilities

• Own and evolve production models for credit approval, underwriting, pricing strategy
• Influence decisions across the full customer lifecycle through ML and analytics
• Collaborate with Product, Engineering, and Business leaders to deploy and monitor solutions
• Drive end-to-end model development from concept to deployment and monitoring

Skills

Data science

Predictive modelling

Credit risk

Production deployment

A/B testing

AWS/cloud

Job description

Miami, FL (Hybrid)

Up to $170,000 + Bonus

We're partnered with a high-growth fintech that has built something most lenders can only talk about: a truly connected dataset spanning marketing acquisition, underwriting, pricing, funding, and portfolio performance.

As a result, their Data Science team doesn't operate in silos. This role sits at the intersection of growth, credit risk, and pricing strategy, using machine learning, experimentation, and advanced analytics to influence decisions across the full customer lifecycle.

You’ll own and evolve production models that shape:

• Credit approval and underwriting decisions
• Risk-based pricing
• Experimentation and decision optimisation

This is not a "build models and hand them over" environment. You'll take solutions from concept through deployment and monitoring, partnering closely with Product, Engineering, and Business leaders.

You’ll likely have:

• 4-8 years in Data Science within lending, fintech, banking, insurance or adjacent sectors
• Experience building predictive models used for commercial decision making
• Exposure to credit risk, underwriting, pricing, customer value, marketing science, or decision science
• Experience deploying or monitoring production models
• Strong experimentation/A-B testing mindset
• Cloud experience (AWS preferred)

Why people are interested:

• Direct commercial impact
• End-to-end ownership
• Strong investment in AI/ML
• Exposure across marketing, pricing and risk rather than a narrow modelling remit
• Visibility with senior leadership
• Fast-growing fintech environment

For experienced Data Scientists looking to move closer to commercial decision-making and business strategy, this is a genuinely interesting opportunity.