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Principal Credit Data Scientist

Austin, Remote

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

About the Role:

We are seeking a highly skilled and motivated Prinicipal Consumer Finance Credit Data Scientist to join our dynamic team. The ideal candidate will have a strong background in data science and analytics, with a focus on consumer credit risk. You will be responsible for developing and implementing advanced statistical models and machine learning algorithms to predict credit risk, optimize credit scoring, and enhance our decision-making processes.

What you'll do:

  • Develop and maintain predictive models to assess credit risk and forecast customer behavior.
  • Analyze large datasets to identify trends, patterns, and insights that inform business decisions.
  • Design, implement, and evaluate machine learning algorithms to improve credit scoring and underwriting processes.
  • Determine best internal and external data sources for use within modeling and production usage
  • Collaborate with cross-functional teams to integrate data science solutions into business operations.
  • Perform data cleaning, preprocessing, and feature engineering to ensure high-quality data for analysis.
  • Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
  • Monitor and evaluate the performance of existing models and recommend improvements.
  • Present findings and recommendations to stakeholders in a clear and concise manner.
  • Stay current with industry trends and advancements in data science, machine learning, and credit risk management.

What we want you to have:

  • 7 - 10 years of related experience.
  • Master’s or PhD in Data Science, Statistics, Computer Science, Economics, or a related field.
  • Proven experience in data science, analytics, and statistical modeling in the consumer finance or credit risk industry.
  • Strong proficiency in programming languages such as Python, R, or SQL.
  • Experience with machine learning libraries and frameworks (e.g., scikit-learn, TensorFlow, PyTorch).
  • Familiarity with data visualization tools (e.g., Tableau, Power BI, matplotlib).
  • Solid understanding of credit risk modeling, credit scoring, and underwriting processes.
  • Excellent problem-solving skills and attention to detail.
  • Strong communication skills, with the ability to present complex technical information to non-technical stakeholders.
  • Ability to work independently and collaboratively in a fast-paced environment.
  • Experience with big data technologies (e.g., Hadoop, Spark) and cloud computing platforms (e.g., AWS, GCP, Azure).
  • Knowledge of regulatory requirements and compliance in the consumer finance industry.
  • Experience with natural language processing (NLP) and text analytics.

Base salary range: $180,000  - $210,000 annually.  Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.

Benefits and Perks:

We have the compensation and benefits you expect. But there's one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too. 

Our perks include:

  • Company Equity in the form of Stock Options
  • Quarterly performance-based bonuses
  • Generous employer-paid health, vision and dental insurance coverage
  • Flexible vacation policy
  • Educational assistance
  • Free gym membership
  • Casual dress code
  • Team building events and activities
  • Remote work arrangements/ flexible work schedule
  • Paid parental leave 

Self Financial requires all employees hired to successfully pass a background check.

We are an Equal Opportunity Employer.

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