VP Data Scientist

Requirements

• Design, build, and maintain predictive models related to credit risk, loan performance, and customer segmentation
  
• Analyze large and complex datasets to extract insights that inform credit strategy and operational decision-making.
  
• Analyze merchant behavior and historic deal performance to inform risk, pricing, and retention strategies
  
• Work closely with Credit Risk and Underwriting teams to refine credit policies and evaluate merchant eligibility
  
• Collaborate with engineering, product, and underwriting teams to integrate models into production systems
  
• Clean, structure, and analyze large structured and unstructured datasets (e.g., financials, cash flow data, application data, behavioral data).
  
• Conduct A/B tests and experiments to evaluate product and policy changes.
  
• Communicate findings and recommendations to both technical and non-technical stakeholders through clear documentation, visualizations, and presentations.
  
• Develop and maintain monitoring tools to track model performance and ensure compliance with internal governance and regulatory frameworks
  

• 7+ years of professional experience in data science, preferably within a fintech, financial services, or lending environment.
  
• Bachelor’s or Master’s degree in a quantitative field such as Statistics, Computer Science, Economics, Applied Mathematics, or related discipline.
  
• Proficiency in SQL, and Python/R.
  
• Experience with statistical modeling, machine learning, and predictive analytics.
  
• Solid understanding of credit risk modeling or financial services analytics.
  
• Ability to translate complex data into business recommendations
  

• Experience in small business lending, fintech, or alternative credit data.
  
• Familiarity with model governance and explainability techniques (e.g., SHAP)
  
• Exposure to cloud platforms (e.g., AWS) and data engineering workflows
  
• Advanced degree (Master’s or PhD) in a quantitative field such as Statistics, Computer Science, Economics, or similar would be a plus
  
• Understanding of model governance, regulatory requirements, and compliance standards