Credit Risk Strategy Data Scientist (Fintech)

Location: United States; remote-first with office spaces in San Jose, California and Draper, Utah. Applicants must be authorized to work in the United States without requiring visa sponsorship now or in the future.

Estimated annual salary: $95,800–$135,000 USD, depending on geographic zone, experience, expertise, and location.

Company

hirify.global is a fintech company providing financial automation for small and midsize businesses, including payables, receivables, expense management, and related financial tools.

What you will do

• Lead the development, maintenance, and refinement of risk strategy frameworks and complex rules.
• Use advanced analytics, statistics, SQL, and Python to solve complex business problems and influence decisions.
• Partner with product, engineering, and operations to identify opportunities, define requirements, and execute strategies across the customer lifecycle.
• Build flexible performance dashboards and monitoring tools using platforms such as Tableau.
• Identify process optimization opportunities and detect and respond to evolving risk trends.
• Mentor and support junior team members.

Requirements

• 3+ years of experience in fraud or credit risk strategy within fintech, e-commerce, or online payments.
• Proficiency in SQL and Python, including work with large, complex datasets and data science libraries.
• Ability to apply statistics and data science to solve complex, ambiguous problems and drive data-driven decisions.
• Ability to communicate complex results clearly and concisely to technical experts and business leaders.
• Direct experience developing and deploying data-driven, automated monitoring rules and recommending enhancements to existing processes.

Nice to have

• Experience in experimental design and data/control governance.
• Experience with customer management or collections strategies for credit products such as revolving credit cards or merchant cash advances.

Culture & Benefits

• Remote-first work environment with opportunities for in-person collaboration.
• Medical, dental, and vision plans, with 100% of employee premiums paid.
• HSA and FSA accounts, life insurance, and long- and short-term disability coverage.
• 11+ observed holidays, wellness days, and flexible time off.
• 401(k) retirement plan, employee stock purchase program, wellness initiatives, and employee assistance program.

Hiring process

• Evaluation follows a transparent and inclusive process.
• Unapproved external assistance, including generative AI, is prohibited during live interviews or assessments.