Senior Data Scientist, Credit

Mission Lane; United States; On-site; USD 120,000 - 135,000; Full time

Benefits offered by this job

Training programs

Health, dental, vision benefits

401(k) company match

Generous PTO

Calm App subscription

Job summary

Mission Lane is seeking a Senior Data Scientist to innovate and deploy machine learning models that influence billions in financial decisions and help customers make progress. You will collaborate with business leaders and technical experts across the company to develop data sources, improve modeling methodology, and apply models with sound risk management.

The ideal candidate has a PhD or BS/MS in a quantitative field with substantial production experience, strong PyData skills, and familiarity

Qualifications

• Collaborated on creating, deploying, and managing supervised learning models in production systems.
• PhD or BS/MS with 1+ or 3+ years in related roles respectively, in quantitative fields.
• Generalist data scientist focused on practical, deployable solutions over theory.
• Strong software engineering practices: tests, code reviews, refactoring.
• Experience with Spark, Kubernetes, Airflow, MLFlow or similar ML tooling.
• Interest in time-series classification and fintech / consumer lending contexts.

Responsibilities

• Collaborate on designing, developing, and deploying ML models to solve practical problems and drive financial outcomes.
• Partner with business leaders and technical experts to develop data sources, improve methods, and apply models with risk management.

Skills

Supervised learning

PyData stack

Generalist data scientist

Software engineering fundamentals

Model deployment

Time-series / fintech modeling

Education

PhD in quantitative field

BS / MS in quantitative field

Tools

Spark

Kubernetes

Airflow

MLFlow

Chalk

BentoML

DVC

Job description

Mission

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting‑edge technology, we’re enabling people to unlock real financial progress.

Overview

The Senior Data Scientist will innovate and improve machine learning models that support billions of dollars in efficient and accurate financial decisions, enabling financial progress for our customers.

Responsibilities

Collaborate on designing, developing, and deploying machine learning models to solve practical problems and help our business and customers reach their financial goals. Partner with business leaders and technical experts across the company to develop new data sources, improve modeling methodology, and apply models with sound risk management.

Qualifications

• Has collaborated on creating, deploying, and managing supervised learning models in production systems for vital applications
• Has a PhD in a quantitative field and 1+ years of experience in a related role
• Has a BS / MS in a quantitative field and 3+ years of experience in a related role
• Shares best practices for software engineering and can help experienced data scientists with complex technical problems—especially operationalizing and evaluating models for real‑world applications
• Considers themselves a generalist data scientist more motivated by practical solutions than theoretical elegance
• Practices solid fundamentals with software engineering (test‑driven development, code review, refactoring) and the PyData stack (numpy, scikit‑learn, pandas, etc.)
• Is interested in a wide range of ML solutions, including established tools (Spark, Kubernetes, Airflow, MLFlow), emerging tools (Chalk, BentoML, or DVC), and developing in‑house tools

Bonus Skills

• Experience managing a strong technical team
• Experience building predictive models end to end
• Experience solving problems in consumer lending or fintech
• Interest in developing ways to train, interpret, and deploy neural network architectures for time‑series classification tasks

Benefits

• Work: Engaging culture with access to training programs and advancement opportunities
• Life: Full health, dental, and vision benefits, Flexible Spending Account, paid parental leave, and a 401(k) company match
• Balance: Generous PTO, flexible schedules, a Calm App subscription, and more

Compensation

Annual full‑time base salary range: $120,000 – $135,000. Additional compensation may include participation in our annual incentive program and equity.

About Mission Lane

Founded in December 2018, Mission Lane is a purpose‑driven fintech company based in Richmond, Virginia. We partner with sponsor banks to offer credit card products with better terms and a refined customer experience. We have served over four million consumers, attaining high customer ratings on Credit Karma and industry‑leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million in equity from leading investors.

Company Values

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We cultivate an environment where all individuals have the opportunity to do their best work.

Equal Opportunity Statement

Mission Lane is an equal‑opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [e-mail].

Mission Lane is not sponsoring new applicant employment authorization and please no third‑party recruiters.

Application Integrity

We require truthful information in the application. Providing false information may result in removal from the hiring process, disqualification, withdrawal of an offer, or termination of employment.