Data Scientist-Credit Risk Analytics

1 week ago

Draper, UT, United States BAMM USA Full time
JOB PURPOSE

We're expanding our Risk Analytics team and ARE seeking a Data Scientist specializing in credit risk modeling and portfolio analytics. In this role, you'll leverage advanced analytics, machine learning, and statistical modeling to assess risk, optimize underwriting, and drive portfolio performance. You'll collaborate closely with risk, product, and data science teams to design proactive solutions, monitor credit health, and deliver insights that influence key business decisions. The work you do will have an immediate and lasting impact on customer accessibility, portfolio profitability, and long-term growth.

KEY RESPONSIBILITIES
  • Develop, validate, and deploy credit risk strategies (underwriting, scorecards, loss forecasting) using Python and ML frameworks (Scikit-learn, XGBoost, etc.).
  • Engineer and optimize credit risk features (e.g., payment behavior, utilization patterns, external credit bureau data).
  • Monitor portfolio performance trends and build dashboards to assess delinquency, loss rates, and risk-adjusted returns.
  • Partner with Risk leadership to design policies balancing credit growth, customer access, and portfolio stability.
  • Share data-driven insights with senior leadership to shape credit risk strategy.
  • Support stress testing, risk segmentation, and scenario analysis to inform decision-making.
REQUIRED QUALIFICATIONS
  • Bachelor's or advanced degree in Data Science, Mathematics, Computer Science, Statistics, Economics, or related field
  • 5+ years' experience programming in Python (NumPy, Pandas, Scikit-learn, XGBoost)
  • 2+ years' experience with SQL
  • Experience in credit risk analytics, underwriting, or portfolio management
  • Strong ability to balance growth, risk exposure, and profitability
  • Excellent problem-solving and independent work skills
PREFERRED QUALIFICATIONS
  • Experience with credit bureau data (e.g., Equifax, Experian, TransUnion)
  • Understanding of credit lifecycle processes (originations, collections, recovery, loss forecasting)
  • Knowledge of credit risk modeling techniques (scorecards, logistic regression, machine learning)
  • Familiarity with regulatory and compliance considerations in credit decisioning
  • Master's degree or higher in a quantitative discipline
COMPENSATION/BENEFITS
  • Full health benefits-Medical/Dental/Vision
  • 401(k) match, 6%/3%
  • DTO (discretionary time off)
  • Health savings account (HSA) with company contribution
  • College tuition reimbursement program (STEAM degrees)
  • Unlimited use of Linkedin Learning
  • Free car charging
  • Onsite gym and showers

  • Credit Bureau Specialist

    2 weeks ago

    Draper, UT, United States Strategic Staffing Solutions Full time

    Credit Bureau Specialist - 243660 #GSGJP00004289 (Draper)Pay rate: $24.17/hourly as a W2 pay rate without paid days off and without paid holidays. Work Location: Draper, UT 84020 - 5 days onsite per week, Monday to Friday Duration: 12 months to begin withResponsibilities: Be the subject matter expert while managing multiple high-risk function queues. ...

  • Credit Bureau Specialist

    7 days ago

    Draper, UT, United States Strategic Staffing Solutions Full time

    Credit Bureau Specialist - 243660 #GSGJP00004289 (Draper)Pay rate: $24.17/hourly as a W2 pay rate without paid days off and without paid holidays. Work Location: Draper, UT 84020 - 5 days onsite per week, Monday to Friday Duration: 12 months to begin withResponsibilities: Be the subject matter expert while managing multiple high-risk function queues. ...

  • Senior Data Scientist

    1 day ago

    Draper, UT, United States Bill.com Full time

    Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations. And we don't stop there: we're creating the future of financial automation so...

  • Data Architect: II

    2 weeks ago

    Draper, UT, United States Mondo Full time

    Apply Now: Data Architect II (Intermediate), Location is Remote (Draper, UT) | 3-Month Contract | Potential ExtensionJob Title: Data Architect II (Intermediate) Location-Type: Remote - Draper, UT (No timezone preference) Start Date Is: ASAP (2 weeks from offer acceptable) Duration: 3-Month Contract Compensation Range: $45-$55/hr W2 Job Description: We are...

  • Staff Program Manager, Risk Management

    5 days ago

    Draper, UT, United States Bill.com Full time

    Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations. And we don't stop there: we're creating the future of financial automation so...

  • Staff Program Manager, Risk Management

    3 days ago

    Draper, UT, United States Bill.com Full time

    Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations. And we don't stop there: we're creating the future of financial automation so...

  • Data Analyst

    2 weeks ago

    Draper, UT, United States Perfict Global, Inc. Full time

    About Us: Perfict Global is a leading IT consulting services provider focused on providing innovative and successful business workforce solutions to Fortune 500 companies. Our trained and experienced professionals constantly strive to bring together the best technologies available to manage client's complex business and technology, participate in...

  • Senior Compliance Manager

    1 week ago

    Draper, UT, United States Nelnet Full time

    Nelnet is a diversified and innovative company committed to enriching lives through the power of service as a student loan servicer, professional services company, consumer loan originator and servicer, payments processor, renewable energy solutions, and K-12 and higher education expert. For over 40 years, Nelnet has been serving its customers, associates,...

  • Senior Compliance Manager

    1 week ago

    Draper, UT, United States Nelnet Full time

    Nelnet is a diversified and innovative company committed to enriching lives through the power of service as a student loan servicer, professional services company, consumer loan originator and servicer, payments processor, renewable energy solutions, and K-12 and higher education expert. For over 40 years, Nelnet has been serving its customers, associates,...

  • Senior Compliance Manager

    7 days ago

    Draper, UT, United States Nelnet Full time

    Nelnet is a diversified and innovative company committed to enriching lives through the power of service as a student loan servicer, professional services company, consumer loan originator and servicer, payments processor, renewable energy solutions, and K-12 and higher education expert. For over 40 years, Nelnet has been serving its customers, associates,...