Divine
Data Scientist - Credit & Risk
San Francisco, California · Hybrid · Full-time · Posted Nov 11, 2025
- Experience
- 4+ years; no alternatives stated.
About the job
Own credit portfolio monitoring and risk analysis for an unsecured lending product, turning borrower behavior and model performance into recommendations for credit strategy and underwriting policy.
What you'll do
- Monitor credit risk models and portfolio performance; identify emerging risks and recommend improvements.
- Build data pipelines, monitoring infrastructure, and dashboards for portfolio health, user behavior, and risk indicators.
- Analyze experiments and product or policy changes, and communicate findings to cross-functional stakeholders.
What they ask for
- 4+ years in decision science, credit risk analytics, or a related quantitative role in fintech or consumer lending.
- Deep proficiency in Python and SQL.
- Strong knowledge of credit risk concepts, including PD/LGD modeling, scorecards, reject inference, vintage analysis, and risk segmentation.
- Experience monitoring credit risk and portfolio performance, improving underwriting models, and designing or evaluating experiments.
Nice to have
- Experience building large-scale data pipelines or using alternative data in credit development.
- Familiarity with emerging markets, DeFi, onchain data tools, or consumer-credit regulations.
Tools
Python, SQL, Grafana, Prometheus, Metabase, Dune, Shovel
Model-written summary · the original posting is authoritative