Staff Data Scientist, Lending ML & Credit Analytics

Mercury; Oregon; Hybrid; USD 167,000 - 299,000; Full time

Job summary

Mercury is hiring a Senior/Staff Data Scientist to build and own the inference layer behind our small business lending program. You will turn transaction data, store sales, and revenue signals into a defensible view of business health and deploy models with strong observability and tests.

You will collaborate with Credit and Product to shape underwriting data needs, pricing terms, and product features. You will bring 7+ years of ML experience, production-grade Python, and deep learning with

Qualifications

• 7+ years building ML models with production impact.
• Experience shipping models that influence financial decisions.
• Proficient in Python and SQL for data engineering and modeling.
• Strong background in time series, forecasting, anomaly detection, NLP.
• Experience with deep learning, transformers and LLMs.
• Ability to explain models to credit officers, validators, PMs and engineers.

Responsibilities

• Build and own models behind the lending program, including forecasting and anomaly detection.
• Turn raw data streams into a defensible view of a business's health.
• Deploy models in production with observability and tests.
• Partner with Credit to shape underwriting data needs and policy.
• Collaborate with Product on pricing, terms, and product shape.
• Evaluate where modeling adds value to underwriting.
• Set and uphold modeling standards for the data science team.

Skills

7+ years ML models

Production‑grade Python

Deep learning / transformers / LLMs

SQL / data warehouse

Model explainability to stakeholders

Modeling standards & governance

Education

Quantitative degree

Tools

Python

SQL

NLP / time series modeling

Job description

Mercury is hiring a Senior/Staff Data Scientist to build and own the inference layer behind our small business lending program. You will turn transaction data, store sales, and revenue signals into a defensible view of business health and deploy models with strong observability and tests.

You will collaborate with Credit and Product to shape underwriting data needs, pricing terms, and product features. You will bring 7+ years of ML experience, production-grade Python, and deep learning with