Senior Data Scientist (Credit Risk)

Location: Hybrid work from the San Mateo, California office; role is based in the United States

Salary: $165,000–$185,000 per year, plus bonus and benefits.

Company

hirify.global is a digital personal finance company providing personalized financial solutions including personal loans, home equity loans, debt consolidation, financial tools, and education.

What you will do

• Build, maintain, and enhance credit risk models and policies for consumer lending portfolios.
• Extract, clean, and analyze large datasets using Python and SQL, and build monitoring pipelines and analytics.
• Conduct exploratory analysis of portfolio trends, loss drivers, model deviations, and emerging risks.
• Maintain monthly and quarterly loss forecasts by vintage and segment, including stress, scenario, and sensitivity analyses.
• Automate reporting and dashboards, document model methodologies, and produce audit-ready deliverables.
• Support model governance and validation, and communicate risk insights to Capital Markets, Marketing, auditors, and regulators.

Requirements

• At least 8 years of hands-on experience in credit risk modeling and portfolio monitoring.
• Strong Python and SQL programming skills for analysis, modeling, and automation.
• Background in probability and statistics, pricing, price optimization, and related analytics.
• Experience with scorecards, XGBoost, time-series analysis, vintage modeling, roll-rate curves, survival analysis, or logistic regression in consumer credit risk.
• Strong analytical, critical-thinking, communication, and documentation skills, including audit-ready model deliverables.
• Master’s degree in Economics, Statistics, Mathematics, Data Science, or a related quantitative discipline; a PhD is preferred.

Nice to have

• Experience in personal loans, credit cards, or fintech lending.
• Experience with credit decisioning engines such as Oscilar or TakTile, CKLightbox, or GCP.
• Experience working in an agile environment and collaborating across teams.

Culture & Benefits

• 401(k) with employer match.
• Medical, dental, and vision coverage with HSA and FSA options.
• Competitive vacation and sick time, plus dedicated volunteer days.
• Wellness support through an Employee Assistance Program and physical and mental health programs.
• Pet care discounts, hardship assistance through the hirify.global Care Fund, and employee resource groups supporting diversity and inclusion.
• H1-B visa transfer or sponsorship and STEM-OPT visa sponsorship are not available.