Achieve

Senior Data Scientist (Credit Risk)

San Mateo, CA, United States · Senior

Sponsorship not specified$165k-$185kDetected 9 days ago

PythonSQLGCPData AnalysisData ScienceData VisualizationStatisticsForecastingRecruitingCritical ThinkingRisk Modeling

About the role

Achieve is a leading digital personal finance company.
We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions.
By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education.

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.
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.
Excellent documentation skills and experience in preparing audit-ready deliverables (methodologies, assumptions, model validation support).
Financial support in times of hardship with our Achieve Care Fund

Minimum of 8 years' hands-on experience in credit risk modeling and portfolio monitoring.
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.
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

$165,000 to $185,000 salary + bonus + benefits.
This information represents the expected salary range for this role.
We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.

Provide commentary and insights to business stakeholders on credit policy assumptions, model health, and emerging portfolio risks.
Continuously identify opportunities to improve credit decisioning accuracy, data infrastructure, modeling techniques, and integrate advanced statistical or machine-learning techniques as appropriate.
Medical, dental, and vision with HSA and FSA options
Competitive vacation and sick time off, as well as dedicated volunteer days

All your information will be kept confidential according to EEO guidelines.
A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.

This listing is sourced directly from Achieve's careers page and normalized into a canonical job model.