Manager, Data Science – Credit & Fraud Risk Modeling
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Data science manager building production credit and fraud risk models for Kafene's lease-to-own fintech platform. Shaping approvals, credit limits, default predictions, and loss forecasts.
Responsibilities:
- Own the full lifecycle of machine learning models powering credit risk decisions
- Design, build, deploy, and monitor models determining customer approvals, credit amounts, default predictions, and loss forecasts
- Mine internal and external datasets to engineer high-signal features such as DTI, PTI, payment behavior, and account balance patterns
- Develop strategic credit risk models, including approval amount sensitivity, credit line optimization, and loss forecasting models
- Source, clean, and transform financial data into modeling-ready datasets
- Evaluate third-party data vendors and scoring products; lead cost-benefit analyses and determine integrations
- Apply new machine learning techniques from research to production credit risk problems
- Partner with engineering on model implementation, validation, and repeatable deployment
- Lead model recalibration and redevelopment when performance drifts
- Navigate model risk governance, regulatory requirements, and data vendor usage policies
- Translate business questions from risk, finance, and sales into modeling problems and explain solutions in plain language
- Present to executives and shape credit policy
Requirements:
- Master's or PhD in a quantitative discipline: Statistics, Mathematics, Data Science, Econometrics, or a related field
- 5+ years working as a Data Scientist or ML Engineer with a specific focus on predictive modeling
- Experience ideally in credit risk, fraud detection, or financial analytics
- Experience deploying models affecting real credit or lending decisions
- Advanced Python for statistical modeling and ML
- Strong SQL for data extraction and feature construction
- Deep expertise in structured/tabular-data ML algorithms: gradient boosting, ensemble methods, regression models, decision trees, and AutoML frameworks
- Prior experience in consumer lending, fintech, or financial services is highly preferred
- Hands-on experience with model risk governance frameworks and working alongside validation teams
- Familiarity with SR 11-7
- Ability to explain technical models to risk committees and credit policy tradeoffs to engineers
- Hands-on credit risk modeling experience
Benefits:
- 80% coverage of medical, dental, and vision insurance costs, including coverage for spouse, children, and other dependents
- 401k plan
- Flexible paid time off days starting from day one
- Remote flexibility
- Competitive compensation
Similar Jobs
Staff Data Scientist
Staff Data Scientist developing advanced machine-learning models for MindBridge Analytics’ enterprise datasets. Leading experimentation, production deployment, technical standards and mentorship.
Senior Data Scientist
Senior Data Scientist building statistical models for Paramount’s DTC streaming business. Optimizing pricing, forecasting growth, and informing content and marketing investment decisions.
Senior Data Science Engineer
Senior Data Science Engineer building LLM and classical ML risk-detection systems for LegitScript’s safer internet and payment platform. Owning data pipelines, production deployment, and model business impact.
Principal Data Scientist
Principal Data Scientist building data infrastructure, analytics, and AI models for G-P’s AI-powered HR compliance platform. Turning product data into decisions for global employment teams.
Senior Health Data Scientist
Senior Health Data Scientist developing advanced analytics from healthcare claims and clinical data. Supporting Inovalon’s data-driven solutions for healthcare customers and patients.
Lead Data Manager
Lead data manager overseeing clinical trial data from database startup through submission. Supporting UBC’s pharmaceutical development and real-world evidence services.
Lead Data Manager
Lead data manager overseeing clinical trial data from database start-up through lock and submission. Supporting pharmaceutical development and real-world evidence projects at UBC.
Data Scientist – AI, ML
Data Scientist designing Bayesian and statistical ML models for Software Mind’s e-commerce platform clients. Productionizing models within microservices and event-driven architectures.
Data Scientist
Data Scientist developing Python machine-learning models for Trident Systems’ DoD aerospace and space customers. Building telemetry analytics for anomaly detection, forecasting, and predictive maintenance.
Data Scientist
Data Scientist building Azure AI/ML data infrastructure for Molex’s electronics engineering platform. Structuring simulation data, validating models, and monitoring data health.
Lead Data Scientist
Lead Data Scientist developing policy-adherence metrics and valuation models for Humana’s healthcare and insurance operations. Transforming complex claims-related data into actionable compliance and network insights.
Senior Data Scientist – Machine Learning, AI
Senior Data Scientist developing production machine learning and AI solutions for Team Velocity’s automotive marketing technology. Improving customer engagement, marketing performance, and dealership revenue through predictive analytics.
Data Scientist Mid/Senior – Consulting
Cientista de Dados desenvolvendo modelos estatísticos e de Machine Learning para a WeCogno, consultoria de dados e IA. Gerando insights acionáveis e soluções para decisões de negócio.
Head of Data – AI
Head of Data + AI building reusable data and AI infrastructure for AugmentED. Translating education research into scalable tools that improve learning outcomes.
Program Manager, Data Governance and Stewardship
Data governance lead building frameworks for ReSource Pro’s insurance-industry clients. Improving data quality, privacy, lineage, and responsible analytics and AI use.
Senior Data Scientist
Senior Data Scientist powering product and operational analytics for Flagler Health’s musculoskeletal care platform. Measuring patient journeys, clinical workflows, engagement, and business performance.
Data Scientist II – FCRM Modeling
Data Scientist developing AML/CTF models and AI solutions for TD, a global financial institution. Applying Python, SQL, statistics, and machine learning to financial crime risk analytics.
Data Scientist, NLP, AI Engineer
Data Scientist developing production-ready LLM and generative AI applications for Ford’s enterprise technology organization. Building agentic workflows, evaluation frameworks, and scalable GCP-based machine learning solutions.
Senior Manager, Clinical Product Analytics
Senior Manager leading clinical product analytics for CVS Signify Health’s in-home and virtual evaluations. Guiding metrics, causal inference, coding integrity, and analytics strategy.
Lead Director, Data Science – Clinical AI
Lead Director guiding CVS Health’s production clinical AI strategy across healthcare businesses. Managing data science teams and advancing trustworthy, scalable machine learning using clinical data.