Senior Data Scientist (Credit Risk)

• Building maintaining and enhancing credit risk models for lending portfolios.
• Extract clean and manipulate large data sets using SQL and Python; build pipelines and analytics to perform model and portfolio monitoring.
• Perform exploratory data analysis (EDA) to identify portfolio trends drivers of loss performance (vintage credit bands borrower attributes macro factors) and provide insight into model deviations.
• Maintain forecast deliverables: monthly/quarterly loss forecasts by vintage and segment stress and scenario analyses sensitivity testing.
• Provide commentary and insights to business stakeholders on credit policy assumptions model health and emerging portfolio risks.
• Automate reporting dashboards and pipelines to streamline model monitoring and improve efficiency and accuracy.
• Document model methodologies assumptions data sources and results in clear audit-ready format consistent with risk governance requirements.
• Participate in governance and review of credit model methodology model validation support and liaise with external auditors or regulators where needed.
• Continuously identify opportunities to improve credit decisioning accuracy data infrastructure modeling techniques and integrate advanced statistical or machine-learning techniques as appropriate.

• Minimum of 8 years' hands-on experience in credit risk modeling and portfolio monitoring. For example roles in model and performance monitoring tracking charge-offs delinquencies vintage analysis roll-rates etc.
• Strong programming skills in Python/SQL for data analysis modeling and automation.
• Solid background in Probability & Statistics
• Experience with pricing and price optimization along with analytics and monitoring related to pricing

• Experience with credit risk modeling methodologies: Scorecard models XGBoost time-series analysis vintage modeling roll-rate curves survival analysis or logistic regression in consumer credit risk context.
• Familiarity with data visualization tools (e.g. Tableau Python Widgets) or dashboarding
• Strong analytical and critical thinking skills; ability to interpret results identify trends draw actionable insights and communicate clearly to non-technical stakeholders.
• Excellent documentation skills and experience in preparing audit-ready deliverables (methodologies assumptions model validation support).
• Master's degree in Economics Statistics Mathematics Data Science or a related quantitative discipline (PhD preferred but not required).

• Experience in lending (personal loans or credit cards) or fintech lending environment.
• Experience with credit risk modeling (development & monitoring)
• Experience working with credit decisioning engines such as Oscilar TakTile etc...
• Experience working in CKLightbox environment
• Experience working in the GCP environment.
• A Passion for fintech agile environment ability to work both independently and in a collaborative fast-paced team.

• 401 (k) with employer match
• Medical dental and vision with HSA and FSA options
• Competitive vacation and sick time off as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

What We Do

Formally known as Freedom Financial Network Achieve launched in 2022 as the leading digital personal finance company helping everyday people get on and stay on the path to a better financial future. Achieve delivers personalized financial solutions for real people through intelligent technology and an empathetic human touch. From the single parent trying to buy a home to the overworked employee drowning in debt we provide innovative solutions budgeting tools and education to help them move from surviving to thriving. We put our members first by coaching them through their financial health journey to understand what’s working for them and what’s not. Our tailored approach is designed to meet everyone where they are in life because they’re more than just a credit score. Our people make the biggest difference. With more than 2200 teammates between California Arizona Florida and Texas everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong while giving their true authentic selves a place to shine. Whether you’re in sales member support engineering product design IT or any of our other exciting roles you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)

Why Work With Us

The technology we are building has real human impact to positively change the trajectory of millions of American families living with the crippling weight of consumer debt. Our growing teams are determined to get better every day through open collaboration and genuine family-like care for the whole person—engineers are never lost in the shuffle.

Gallery