Data Scientist, Credit Risk Analytics at Jobgether

, , United States -

Full Time

Start Date

Immediate

Expiry Date

26 Feb, 26

Salary

135356.0

Posted On

28 Nov, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Data Analytics, Statistical Modeling, Predictive Models, SQL, Python, Credit Risk Analysis, Problem-Solving, Communication Skills, Time Management, Data Manipulation, Financial Sustainability, Cross-Functional Collaboration, Quantitative Analysis, Credit Strategy, Dashboard Preparation, Forecasting

Industry

Internet Marketplace Platforms

Description

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Data Scientist, Credit Risk Analytics in the United States. In this role, you will leverage data analytics and statistical modeling to optimize credit strategies, manage risk, and support financial sustainability while maximizing impact for underserved communities. You will work cross-functionally with finance, operations, and impact teams to analyze credit performance across the lifecycle—from application to portfolio management. By building predictive models and providing actionable insights, you will influence credit policies, balance risk with mission-driven goals, and contribute to decision-making at the organizational level. This position offers the opportunity to shape data-driven strategies in a collaborative, high-impact environment that values creativity, rigor, and measurable outcomes. \n Accountabilities Perform quantitative analysis to evaluate credit performance and profiles across the full credit lifecycle. Develop, implement, and maintain predictive models for underwriting, prospecting, account management, and collections. Recommend and refine credit strategy criteria based on marginal risk analysis, balancing mission impact and financial sustainability. Analyze internal and external data, including traditional and alternative credit sources, to guide credit strategy adjustments. Collaborate cross-functionally with Finance, Lending Operations, and Impact teams to strengthen analytics and decision-making frameworks. Prepare and present insights, dashboards, and materials for credit risk committee meetings. Forecast credit losses using historical performance, current portfolio data, and projected loan volumes. Requirements Bachelor’s degree or higher (or equivalent experience) in statistics, mathematics, computer science, engineering, economics, or related field. Minimum of 2 years of experience in data analytics, finance, or credit analysis; small business lending experience a plus. Proficiency in SQL, Python, and data manipulation/analysis techniques. Strong problem-solving skills, independent thinking, and ability to translate complex data into actionable insights. Excellent communication skills, with the ability to present findings clearly to multiple stakeholders. Strong ownership mentality, time management skills, and ability to work independently across distributed teams. Data-driven, solutions-oriented, and motivated to drive measurable results. Benefits Competitive salary, $105,567 – $135,356, based on experience. Comprehensive health coverage: 100% employee-funded Medical, Dental, Vision, Life & Disability; 90% dependent coverage. Flexible Spending Accounts and voluntary supplemental benefits (Life, AD&D, legal plans). Retirement plan (403b) with employer match. Unlimited vacation days, 12 paid holidays, 1 floating holiday, 10 sick days, and paid parental leave. Monthly remote work reimbursement and supportive work-life balance environment. Inclusive and mission-driven culture with commitment to diversity, equity, and inclusion. \n Jobgether is a Talent Matching Platform that partners with companies worldwide to efficiently connect top talent with the right opportunities through AI-driven job matching. When you apply, your profile goes through our AI-powered screening process designed to identify top talent efficiently and fairly. 🔍 Our AI evaluates your CV and LinkedIn profile thoroughly, analyzing your skills, experience, and achievements. 📊 It compares your profile to the job’s core requirements and past success factors to determine your match score. 🎯 Based on this analysis, we automatically shortlist the three candidates with the highest match to the role. 🧠 When necessary, our human team may perform an additional manual review to ensure no strong profile is missed. The process is transparent, skills-based, and free of bias — focusing solely on your fit for the role. Once the shortlist is completed, we share it directly with the company that owns the job opening. The final decision and next steps (such as interviews or additional assessments) are then made by their internal hiring team. Thank you for your interest! #LI-CL1

Responsibilities

In this role, you will leverage data analytics and statistical modeling to optimize credit strategies and manage risk. You will work cross-functionally to analyze credit performance and build predictive models that influence credit policies.