Credit Strategy Data Scientist

Job Description

This is a remote position.

Credit Strategy Data Scientist

Remote (U.S.-Based) | One Year  Contract |  $50 / hr (based on experience)

Join a dynamic credit risk strategy team at the intersection of finance and data science. The Credit Strategy Data Scientist will design, test, and deploy data-driven solutions to mitigate loss, enhance credit risk performance, and drive sustainable growth across a fast-paced FinTech environment.

Position Overview

We’re seeking an analytical and motivated Credit Strategy Data Scientist to lead key projects in credit risk assessment, loss mitigation, and predictive modeling. This role involves designing detection rules, analyzing large datasets, and presenting actionable insights to cross-functional partners. You’ll work closely with product, engineering, and risk leaders to improve credit decisioning and customer outcomes.

Key Responsibilities

Develop and refine risk models and decision rules to identify and mitigate potential losses

Investigate novel and complex risk cases, identifying root causes and emerging trends

Design dashboards and visualizations to track key credit KPIs

Partner with product and engineering teams to improve risk controls and automation

Present strategic recommendations to leadership and stakeholders

Drive measurable results that balance loss prevention with customer eligibility

Requirements

Required Qualifications

Bachelor’s degree in Computer Science, Engineering, Mathematics, Statistics, Data Mining, or related field

2+ years of experience in risk analytics, data science, or data analysis within FinTech or payments

Proficiency in Python , SQL , and Excel (including major data science libraries)

Experience working with large and complex datasets

Strong communication skills with the ability to translate data insights into business impact

Experience building dashboards and visualizations (e.g., Tableau )

Preferred Experience

Exposure to AWS , payment rule systems, and credit products

Background in risk modeling, data storytelling, or rule development

Experience in cross-functional collaboration between product, engineering, and data teams

Requirements

2+ years of experience in risk analytics, data science, or data analysis within FinTech or payments Proficiency in Python, SQL, and Excel (including major data science libraries) Experience working with large and complex datasets Strong communication skills with the ability to translate data insights into business impact Experience building dashboards and visualizations (e.g., Tableau)