Principal Credit Data Scientist | Self Financial | Remote (United States)
Posted 2025-09-08
Remote, USA
Full Time
Immediate Start
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We’re looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">About the Role:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We are seeking a highly skilled and motivated Prinicipal Consumer Finance Credit Data Scientist to join our dynamic team. The ideal candidate will have a strong background in data science and analytics, with a focus on consumer credit risk. You will be responsible for developing and implementing advanced statistical models and machine learning algorithms to predict credit risk, optimize credit scoring, and enhance our decision-making processes.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">What you’ll do:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Develop and maintain predictive models to assess credit risk and forecast customer behavior.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Analyze large datasets to identify trends, patterns, and insights that inform business decisions.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Design, implement, and evaluate machine learning algorithms to improve credit scoring and underwriting processes.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Determine best internal and external data sources for use within modeling and production usage</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Collaborate with cross-functional teams to integrate data science solutions into business operations.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Perform data cleaning, preprocessing, and feature engineering to ensure high-quality data for analysis.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Monitor and evaluate the performance of existing models and recommend improvements.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Present findings and recommendations to stakeholders in a clear and concise manner.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Stay current with industry trends and advancements in data science, machine learning, and credit risk management.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">What we want you to have:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">7 – 10 years of related experience.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Master’s or PhD in Data Science, Statistics, Computer Science, Economics, or a related field.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Proven experience in data science, analytics, and statistical modeling in the consumer finance or credit risk industry.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Strong proficiency in programming languages such as Python, R, or SQL.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with machine learning libraries and frameworks (e.g., scikit-learn, TensorFlow, PyTorch).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Familiarity with data visualization tools (e.g., Tableau, Power BI, matplotlib).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Solid understanding of credit risk modeling, credit scoring, and underwriting processes.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Excellent problem-solving skills and attention to detail.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Strong communication skills, with the ability to present complex technical information to non-technical stakeholders.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Ability to work independently and collaboratively in a fast-paced environment.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with big data technologies (e.g., Hadoop, Spark) and cloud computing platforms (e.g., AWS, GCP, Azure).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Knowledge of regulatory requirements and compliance in the consumer finance industry.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with natural language processing (NLP) and text analytics.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold"><em>Base salary range: $180,000 – $210,000 annually. Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.</em></strong></p>
<h4><strong class=" font-semibold">Benefits and Perks:</strong></h4>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We have the compensation and benefits you expect. But there’s one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">Our perks include:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Company Equity in the form of Stock Options</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Quarterly performance-based bonuses</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Generous employer-paid health, vision and dental insurance coverage</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Flexible vacation policy</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Educational assistance</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Free gym membership</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Casual dress code</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Team building events and activities</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Remote work arrangements/ flexible work schedule</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Paid parental leave</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Self Financial requires all employees hired to successfully pass a background check.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We are an Equal Opportunity Employer.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We’re looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">About the Role:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We are seeking a highly skilled and motivated Prinicipal Consumer Finance Credit Data Scientist to join our dynamic team. The ideal candidate will have a strong background in data science and analytics, with a focus on consumer credit risk. You will be responsible for developing and implementing advanced statistical models and machine learning algorithms to predict credit risk, optimize credit scoring, and enhance our decision-making processes.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">What you’ll do:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Develop and maintain predictive models to assess credit risk and forecast customer behavior.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Analyze large datasets to identify trends, patterns, and insights that inform business decisions.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Design, implement, and evaluate machine learning algorithms to improve credit scoring and underwriting processes.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Determine best internal and external data sources for use within modeling and production usage</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Collaborate with cross-functional teams to integrate data science solutions into business operations.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Perform data cleaning, preprocessing, and feature engineering to ensure high-quality data for analysis.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Monitor and evaluate the performance of existing models and recommend improvements.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Present findings and recommendations to stakeholders in a clear and concise manner.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Stay current with industry trends and advancements in data science, machine learning, and credit risk management.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">What we want you to have:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">7 – 10 years of related experience.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Master’s or PhD in Data Science, Statistics, Computer Science, Economics, or a related field.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Proven experience in data science, analytics, and statistical modeling in the consumer finance or credit risk industry.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Strong proficiency in programming languages such as Python, R, or SQL.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with machine learning libraries and frameworks (e.g., scikit-learn, TensorFlow, PyTorch).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Familiarity with data visualization tools (e.g., Tableau, Power BI, matplotlib).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Solid understanding of credit risk modeling, credit scoring, and underwriting processes.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Excellent problem-solving skills and attention to detail.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Strong communication skills, with the ability to present complex technical information to non-technical stakeholders.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Ability to work independently and collaboratively in a fast-paced environment.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with big data technologies (e.g., Hadoop, Spark) and cloud computing platforms (e.g., AWS, GCP, Azure).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Knowledge of regulatory requirements and compliance in the consumer finance industry.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Experience with natural language processing (NLP) and text analytics.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold"><em>Base salary range: $180,000 – $210,000 annually. Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.</em></strong></p>
<h4><strong class=" font-semibold">Benefits and Perks:</strong></h4>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We have the compensation and benefits you expect. But there’s one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">Our perks include:</strong></p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Company Equity in the form of Stock Options</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Quarterly performance-based bonuses</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Generous employer-paid health, vision and dental insurance coverage</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Flexible vacation policy</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Educational assistance</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Free gym membership</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Casual dress code</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Team building events and activities</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Remote work arrangements/ flexible work schedule</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Paid parental leave</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Self Financial requires all employees hired to successfully pass a background check.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We are an Equal Opportunity Employer.</p>