Divineresearch
Data Scientist - Credit & Risk
San Francisco, California
Sponsorship not specifiedDetected 253 days ago
PythonSQLPrometheusGrafanaData EngineeringData ScienceForecastingResearchLeadershipProblem SolvingUnderwritingRisk Modeling
About the role
- This role is based in San Francisco, California.
- We work in a hybrid model, with the team in office 3 days per week.
Responsibilities
- Partner with product, research, and engineering teams to define north star metrics and translate them into measurable, actionable credit and growth strategies
- Design and analyze A/B tests, quasi-experiments, and causal inference studies to evaluate the impact of product and policy changes
- You'll own portfolio monitoring and reporting, research emerging risk trends, and transform borrower behavioral data into actionable guidance that shapes our credit strategy and roadmap.
- Over time, this role may expand to drive broader product analytics across our suite of products.
Requirements
- 4+ years of experience in decision science, credit risk analytics, or a closely related quantitative role within fintech or consumer lending
- Deep proficiency in Python and SQL
- Strong understanding of credit risk modeling concepts, including PD/LGD modeling, scorecard development, reject inference, vintage analysis, and risk segmentation
- Experience designing and evaluating experiments (A/B tests, holdout groups, or causal inference frameworks) in a consumer product context
Nice to have
- Familiarity with credit bureau data, cash flow underwriting, or alternative data sources in credit model development
- Experience working in emerging markets, ideally on financial products serving everyday consumer needs (microfinance, BNPL, digital lending)
- Strong understanding of DeFi protocol mechanics (lending, yield vaults, ERC4626) and experience with onchain data tooling (Dune, Shovel, Ponder, Goldsky or similar)
- Exposure to regulatory frameworks relevant to consumer credit (FCRA, ECOA, or equivalent)
- Divine Research is an equal opportunity employer.
Skills
- Blockchain data and indexing tools (Dune, Shovel)
Benefits
- Design, build, and maintain scalable data pipelines, monitoring infrastructure, and dashboards to track portfolio health, user behavior, and key risk indicators
Company info
- We're looking for a data scientist to drive credit risk intelligence across Credit, our leading unsecured lending system.
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