Senior Data Scientist (Credit Risk)

TL;DR

Senior Data Scientist (Credit Risk): Maintaining and enhancing credit risk models and policies for lending portfolios with an accent on loss forecasting and portfolio monitoring. Focus on building automated pipelines, performing exploratory data analysis to identify loss drivers, and communicating actionable insights to business stakeholders.

Location: Hybrid in San Mateo, CA.

Salary: $165,000 – $185,000 + bonus

Company

hirify.global is a leading digital personal finance company and fintech unicorn providing personalized financial solutions, including personal and home loans.

What you will do

• Build, maintain, and enhance credit risk models for lending portfolios.
• Extract and manipulate large datasets using SQL and Python to build monitoring pipelines.
• Perform EDA to identify portfolio trends and drivers of loss performance (vintage, credit bands, etc.).
• Develop monthly/quarterly loss forecasts, stress tests, and scenario analyses.
• Automate reporting and dashboards to improve efficiency and accuracy of model monitoring.
• Document model methodologies and assumptions in an audit-ready format for governance.

Requirements

• Minimum 8 years of hands-on experience in credit risk modeling and portfolio monitoring.
• Proficiency in Python and SQL for data analysis, modeling, and automation.
• Strong background in Probability & Statistics.
• Experience with scorecard models, XGBoost, time-series analysis, or logistic regression.
• Master’s degree in Economics, Statistics, Mathematics, Data Science, or a related quantitative field (PhD preferred).
• Must be based in or able to work hybrid from the San Mateo, CA office.
• No H1-B Visa transfer, sponsorship, or STEM-OPT Visa support provided.

Nice to have

• Experience in fintech lending (personal loans or credit cards).
• Familiarity with credit decisioning engines such as Oscilar or TakTile.
• Experience working in GCP or CKLightbox environments.

Culture & Benefits

• 401(k) with employer match.
• Medical, dental, and vision insurance with HSA and FSA options.
• Competitive vacation, sick time, and dedicated volunteer days.
• Employee Assistance Program and physical/mental health wellness programs.
• Pet care discounts and financial support via the hirify.global Care Fund.