Senior Data Scientist, Credit Risk — LOC Strategy

Advance America, Cash Advance Centers, Inc.; Greenville (SC); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Competitive Wages

401(k) Savings Plan with Company Match

Company Paid Holidays

Tuition Reimbursement

Business Casual Environment

Rewards & Recognition Program

Employee Assistance Program

Downtown Greenville Office – Free Park

Job summary

Purpose Financial seeks a Senior Data Scientist, Credit Risk to own the analytics roadmap for our Line of Credit products. You will build, validate, and deploy models across acquisition, utilization, and repayment, influencing credit policy and forecasting outcomes.

Collaboration with Finance, Digital Operations, and Compliance is essential as you mentor juniors. The role requires modeling expertise in Python/R, boosting methods, survival analysis, and strong SQL; familiarity with Tableau/Power

Qualifications

• Bachelor’s degree in a quantitative field; advanced degree preferred.
• 3–5 years of experience in credit risk analytics or modeling in consumer lending.
• Proven production experience building credit risk models in lending environments.

Responsibilities

• Lead LOC credit risk analytics agenda from acquisition scoring to portfolio monitoring.
• Develop and validate ML models across customer lifecycle and channels.
• Produce loss forecasts and explain key variances to leadership.
• Design experiments to optimize line assignment, terms, and policy actions.
• Document models for risk management and regulatory review.
• Present findings to senior audiences; mentor junior data scientists.

Skills

Python

R

Gradient boosting

Logistic regression

Survival analysis

SQL

Tableau

Power BI

Pandas

NumPy

scikit-learn

XGBoost

LightGBM

SHAP

Education

Bachelor’s degree in statistics/economics/math/compsci/engineering

Tools

Tableau

Power BI

Job description

Purpose Financial seeks a Senior Data Scientist, Credit Risk to own the analytics roadmap for our Line of Credit products. You will build, validate, and deploy models across acquisition, utilization, and repayment, influencing credit policy and forecasting outcomes.

Collaboration with Finance, Digital Operations, and Compliance is essential as you mentor juniors. The role requires modeling expertise in Python/R, boosting methods, survival analysis, and strong SQL; familiarity with Tableau/Power