Senior Data Scientist, Risk & Credit Analytics (Remote)

Devconnectplatform; United States; Remote; USD 170,000 - 200,000; Full time

Benefits offered by this job

Equity

Healthcare

Parental leave

Flexible PTO

Job summary

Imprint is seeking a senior Data Scientist, Risk to own the top-of-funnel credit decisioning pipeline from application intake to approval. You will build underwriting and targeting models, design experimentations, and develop AI-powered monitoring systems across multiple acquisition channels.

You will partner with Credit Strategy, Product, Engineering, and Marketing to connect model performance to business outcomes like approval rates, losses, LTV, CAC, and profit.

Qualifications

• 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field.
• Strong Python and SQL skills, with the ability to build models, transform raw data, and create custom datasets from complex financial data.
• Experience building credit risk or targeting models (scorecards, underwriting models, segmentation) or similar predictive modeling in a regulated environment.
• Deep understanding of statistical inference, experimentation design, and causal analysis, with the ability to disentangle policy impact from population shifts and channel mix changes.
• Comfort with AI tools and AI-native workflows; you actively use tools like Claude, Copilot, or similar to accelerate your work and are excited to build AI-powered analytical systems.
• Full-stack problem-solving orientation: you dive into messy data, trace a decline to its root cause, and question assumptions in pursuit of a better answer.
• Ability to present complex findings clearly to technical and non-technical audiences, including senior leadership and external partner stakeholders.
• Comfort owning projects end-to-end in a fast-moving startup environment with limited scaffolding, collaborating cross-functionally with Policy, Strategy, Product, and Engineering.

Responsibilities

• Own and optimize the top-of-funnel credit decisioning pipeline: scoring, policy rules, decline waterfalls, and approval rate optimization.
• Build and iterate on underwriting, targeting, and segmentation models to expand safe approvals and improve channel quality.
• Design and analyze A/B tests and champion/challenger experiments on credit policies with structured readouts.
• Develop channel-level performance models linking application volume to downstream economics (approval rates, expected losses, LTV, CAC, contribution profit).
• Design and build AI-powered monitoring systems to detect approval rate anomalies, score drift, and population shifts, recommending policy changes.
• Collaborate with Credit Strategy, Product, Engineering, and Marketing to define targeting criteria and risk frameworks for new channels.
• Create segmentation frameworks to identify underserved populations for responsible credit access.

Skills

Python

SQL

Data science

Risk analytics

Experiment design

A/B testing

Tools

Snowflake

AWS

Job description

Imprint is seeking a senior Data Scientist, Risk to own the top-of-funnel credit decisioning pipeline from application intake to approval. You will build underwriting and targeting models, design experimentations, and develop AI-powered monitoring systems across multiple acquisition channels.

You will partner with Credit Strategy, Product, Engineering, and Marketing to connect model performance to business outcomes like approval rates, losses, LTV, CAC, and profit.