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Data Scientist, Credit Risk Analytics

Prosper· Finance – Credit Risk Management
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Remote$129k - $179kFull-Time EmployeePosted 2mo ago

About the role

Data Scientist role within Prosper's Credit Risk Analytics vertical on the Data Science team, focusing on building and deploying ML models to manage credit and fraud risk in a fintech lending environment.

Responsibilities

  • Build industry-leading machine learning models for managing credit and fraud risks
  • Leverage complex data sources (e.g., credit bureau reports, customer-supplied information) at scale to develop credit and fraud strategies to improve the credit performance and optimize risk decisions
  • Collaborate with engineers to deploy your models into a production environment
  • Propose and execute solutions to various problems within business constraints
  • Use responsible AI technique following regulatory requirements and lending best practices
  • Help the team with developing tools and workflow solutions to increase data science productivity
  • Actively monitor the credit risk models in production
  • Extract the most value out of data to significantly impact our key business metrics
  • Assess the potential usefulness and validity of machine learning algorithms and features through various data sources
  • Conduct ad-hoc analysis related to risk management, investor services, operations and corporate development

Qualifications

  • 3+ years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques (educational experience taken into consideration)
  • Consumer lending experience in unsecured personal loan or credit card is a plus
  • Advanced degree (M.S./PhD) preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field
  • Expert knowledge in one of the statistical programming languages such as Python, and database languages such as SQL
  • Solid understanding of coding best practices and model documentation
  • Strong communication skills – ability to clearly and succinctly communicate technical subject matter to other team members and senior management
  • Strong interpersonal skills – collaborate with people across functions and develop strong relationships
  • Ability to work unsupervised in fast-paced environment and prioritize among parallel projects
  • Ability to think within regulatory guidelines with a mindset toward reproducible research
  • Self-motivated, results-oriented, enthusiastic, and a creative thinker

Skills

Required:Machine learning modelingData analysisPythonSQLCommunication

Benefits

  • A competitive salary
  • 401(k) with a 5% company match
  • Flexible time off and paid parental leave
  • Annual wellness allowance
  • Comprehensive health coverage
  • Udemy access, childcare assistance, pet insurance, Beneplace savings
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Prosper

Helping people thrive since 2005.

Prosper is a financial services company providing personal loans, credit cards, home equity lines and loans, investing options, and more, with a focus on helping individuals thrive financially.

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