Senior Remote Credit Risk Decision Scientist

CRNCY Group; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

CRNCY is seeking a Credit Decision Scientist for a fully remote USD contractor role. You will analyze portfolio performance, model repayment probabilities, and translate insights into underwriting rules and loan sizing.

The position emphasizes probabilistic reasoning, experimentation, and data-driven decision-making across multiple markets. Required are a quantitative degree and fluency in English and Spanish.

Qualifications

• Degree in a quantitative discipline with probability and statistics.
• Fluent in English and Spanish.
• Experience with probabilistic decision-making.

Responsibilities

• Analyze portfolio performance and identify profitability opportunities.
• Model repayment probability and fraud from incomplete/alternative data.
• Translate analysis into underwriting rules and first-loan sizing.
• Design experiments to improve lending outcomes.
• Quantify trade-offs between growth, risk and profitability.
• Provide portfolio recommendations based on analysis.

Skills

Data analysis

Probabilistic reasoning

Experiment design

Python

SQL

Portfolio analytics

Logistic regression

Education

Quantitative degree

Job description

CRNCY is seeking a Credit Decision Scientist for a fully remote USD contractor role. You will analyze portfolio performance, model repayment probabilities, and translate insights into underwriting rules and loan sizing.

The position emphasizes probabilistic reasoning, experimentation, and data-driven decision-making across multiple markets. Required are a quantitative degree and fluency in English and Spanish.