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Data Scientist, Risk

Imprint· Commercial Operations Risk
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Remote$170k - $200kFull-timePosted 4mo ago

About the role

Data Scientist focused on risk modeling and top-of-funnel credit decisioning across multiple acquisition channels, partnering with Credit Strategy, Product, Engineering, and Marketing to optimize approval rates while managing credit quality.

Responsibilities

  • Own the full top-of-funnel credit decisioning pipeline: application scoring, policy rules, decline waterfalls, and approval rate optimization across direct affiliates, invitation-to-apply, direct mail, paid social, instant prescreens, and on-site applications
  • Build and iterate on underwriting, targeting, and segmentation models that expand safe approvals and improve channel-level acquisition quality
  • Design and analyze A/B tests and champion/challenger experiments on credit policies, with structured readouts on acquisition and credit performance
  • Build channel-level performance models that connect application volume to downstream economics: approval rates, expected losses, LTV, CAC, and contribution profit
  • Design and build agentic workflows and AI-powered monitoring systems that autonomously detect approval rate anomalies, diagnose score drift and population mix changes, and recommend policy adjustments
  • Partner with Credit Strategy, Product, Engineering, and Marketing to develop targeting criteria and risk frameworks for new and emerging acquisition channels
  • Build segmentation frameworks to identify underserved populations where credit access can be responsibly expanded

Qualifications

  • 5 to 8+ years of experience in data science, risk analytics, or related quantitative field, ideally at a high-growth startup or fintech company
  • Strong Python and SQL skills, with ability to build models, transform raw data, and create custom datasets from complex financial data
  • Experience building credit risk or targeting models (scorecards, underwriting models, segmentation) or similar predictive modeling in a regulated environment
  • Deep understanding of statistical inference, experimentation design, and causal analysis, with ability to disentangle policy impact from population shifts and channel mix changes
  • Comfort with AI tools and AI-native workflows; actively use tools like Claude, Copilot, or similar to accelerate work and build AI-powered analytical systems
  • Full-stack problem-solving orientation; ability to dive into messy data, trace declines to root cause, and question assumptions
  • Ability to present complex findings clearly to technical and non-technical audiences, including senior leadership and external partner stakeholders
  • Comfort owning projects end-to-end in a fast-moving startup environment with limited scaffolding, cross-functional collaboration with Policy, Strategy, Product, and Engineering

Skills

Required:PythonSQLCredit risk modelingExperimentation designCommunication to leadership

Benefits

  • Competitive compensation and equity packages
  • Leading configured work computers of your choice
  • Flexible paid time off
  • Fully covered, high-quality healthcare, including fully covered dependent coverage
  • Additional health coverage includes One Medical and optional FSA
  • 20 weeks of paid parental leave for primary caregiver and 8 weeks for all new parents
  • Access to industry-leading technology across all business units to foster innovation, optimization, and productivity
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Imprint

Built for impact, every step of the way.

Imprint Payments provides the technology powering co-branded credit card programs, with complete control over the experience, including rewards, marketing, and security.

credit cardsco-branded productsrewardsbanking platform
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