Staff Data Scientist: Credit Risk & Fraud Modeling Lead

Earnest; San Francisco (CA); On-site; USD 216,000 - 262,000; Full time

Benefits offered by this job

Health, Dental, & Vision benefits

Work-from-home stipend

Internet & phone reimbursement

Employee Stock Purchase Plan

Restricted Stock Units (RSUs)

401(k) with match

Tuition reimbursement

Travel perk on Earnie-versary

Generous PTO

Parental leave

Job summary

Earnest is seeking a Staff Data Scientist to own risk data science, shaping credit risk, fraud detection, and loss forecasting for lending products. You will lead cross-functional initiatives, mentor peers, and partner with senior stakeholders to balance growth with risk-adjusted profitability.

You will translate complex models into clear narratives for leadership and drive production-grade risk pipelines with monitoring and governance.

Qualifications

• 8+ years of experience in Python/R and SQL.
• 7+ years in quantitative risk modeling or applied data science.
• Master's/PhD in Economics, Statistics, CS, OR, or a related field.

Responsibilities

• Own end-to-end risk science systems, including credit risk scoring, PD/LGD, fraud detection, and collection scores.
• Lead design, backtesting, validation, and deployment of risk models.
• Mentor junior data scientists and establish modeling standards and governance.
• Partner with Risk, Pricing, Product, Capital Markets, Engineering, and Compliance.

Skills

Python

SQL

Risk modeling

Communication

Education

Master's/PhD in Economics or related

Tools

Looker

Airflow

dbt

AWS

GCP

Job description

Earnest is seeking a Staff Data Scientist to own risk data science, shaping credit risk, fraud detection, and loss forecasting for lending products. You will lead cross-functional initiatives, mentor peers, and partner with senior stakeholders to balance growth with risk-adjusted profitability.

You will translate complex models into clear narratives for leadership and drive production-grade risk pipelines with monitoring and governance.