Credit Strategy Data Scientist

Location: Remote (U.S.-based candidates only) - 12 month contract
Full-Time | MidSenior Level | No Visa Sponsorship or Relocation

A fast-growing financial services organization is seeking a Credit Strategy Data Scientist to join its high-performing Credit Risk Strategy team. This is an exciting opportunity for a data-savvy professional with fintech or payments industry experience to help drive business-critical decisions through advanced analytics, predictive modeling, and risk mitigation strategies.

You will work on end-to-end development of data-driven credit solutionspartnering closely with cross-functional stakeholders to design, execute, and refine credit strategies that support responsible growth and customer success.

• →

  Design and implement data-driven rules to detect and mitigate credit 

  losses
• →Investigate complex and high-impact risk cases and identify root causes
• →Set and refine credit risk strategies across various risk categories
• →Collaborate with product and engineering teams to enhance risk control capabilities
• →Lead the development of dashboards, visualizations, and reports to track credit KPIs
• →

  Present data-backed recommendations to stakeholders and executives

• →

• Bachelors degree in Computer Science, Engineering, Mathematics, Statistics, Data Mining, or a related field (or equivalent practical experience)
• 2+ years of hands-on experience in risk analytics, data science, or data analysispreferably within fintech or online payments
• Proficiency in SQL, Python, and Excel, including core data science libraries
• Proven ability to work with large datasets and derive actionable insights
• Experience developing and communicating dashboards and visualizations (e.g. Tableau)
• Strong communication skills and ability to translate complex analysis to diverse audiences

• Demonstrated data-driven decision-making and solution development

• Experience applying data science to credit risk and loss mitigation problems
• Familiarity with AWS, payment rule systems, or credit product lifecycles
• Strong project management skills and ability to drive analytics from concept to execution
• Comfortable working in fast-paced, ambiguous environments with shifting priorities

• Design and deployment of credit strategies based on emerging loss trends
• Creation of performance dashboards and tools to monitor KPIs and credit risk health
• Collaboration with product and engineering teams to implement real-time credit decisioning
• Delivery of presentations and reports to support strategic decisions at all levels

• At-home screening assignment

• Technical interview with senior team member

• Final panel interview with hiring manager and team

This is a high-impact role at the intersection of data science, risk management, and business strategyperfect for professionals passionate about leveraging data to drive innovation in financial services.