Sr. Data Scientist

This client is a mission-driven FinTech startup democratizing credit with behavioral data. Their platform uses alternative signals like purchase behavior, mobile activity, and financial metadata to extend fair credit access to thin- and no-file users. With funding from FinTech-focused VCs and former Plaid/Credit Karma leadership on board, they are entering a high-growth phase and expanding their data science team. Job Description We're seeking a Senior Data Scientist who thrives in high-autonomy environments and wants to build ML systems that power life-changing financial decisions. You'll work on risk modeling, fraud detection, and explainable AI to make lending more equitable and intelligent. Responsibilities Build and productionize machine learning models for credit risk and fraud detection Design real-time scoring systems using behavioral and transactional data Conduct fairness analysis and build explainable AI tooling Lead model validation, A/B testing, and drift monitoring Collaborate with data engineers and product managers on model-driven features Contribute to data governance and regulatory compliance efforts Required Skills 7+ years of experience in data science, ideally in FinTech or financial risk modeling Proficient in Python, SQL, and modeling tools like XGBoost, LightGBM, sklearn Experience with real-time modeling, data pipelines, and stream processing Knowledge of responsible AI practices and interpretability (SHAP, LIME) Strong statistical background and experimental design skills Preferred Skills Experience with alternative credit models or underwriting Familiarity with regulatory frameworks (FCRA, ECOA) Exposure to tools like H2O.ai, Feature Store integrations, or custom explainers 100% remote with async-friendly culture #J-18808-Ljbffr