Credit Risk Strategy – Staff Data Scientist

Skills

Job Specifications

Role: Credit Risk Strategy – Staff Data Scientist

Location: San Francisco, CA (Hybrid)

Job Overview

The Staff Data Scientist – Credit Strategy is a key member of the Risk Management team responsible for designing, deploying, and optimizing end-to-end credit strategies that balance growth, profitability, and credit risk. This role plays a critical part in maximizing credit conversion and customer lifetime value while ensuring portfolio performance remains within established loss tolerances.

This position partners closely with Risk leadership, Manual Underwriting, Product, Engineering, and Data Science teams to build scalable, data-driven credit strategies that support sustainable growth and resilient portfolio construction.

Responsibilities & Essential Duties

Design and deploy innovative approval, qualification, and segmentation strategies that maximize application approval rates while meeting credit loss targets.
Develop and maintain underwriting policies that define minimum acceptance criteria and policy declines for segments outside the company’s risk appetite.
Create statistically driven credit limit assignment frameworks that optimize lifetime customer value while managing downside risk.
Design pricing and interest rate strategies, including testing frameworks, to ensure adequate loss coverage, strong borrower selection, and high customer adoption rates.
Optimize data collection strategies by balancing the value of additional data against customer friction and operational cost.
Partner closely with the Manual Underwriting team to build a hybrid risk framework that integrates analytical strategies with expert manual review, ensuring consistent execution and continuous feedback loops.
Develop innovative credit strategy tooling to create differentiated credit pathways based on application profiles, exposure levels, and underwriting complexity.
Collaborate with Product, Engineering, and Data Science teams to build scalable infrastructure that enables rapid iteration and refinement of credit strategies.
Establish robust portfolio monitoring and reporting processes to track approval rates, credit performance, and key risk metrics.
Apply a forward-looking approach to portfolio construction to ensure assets remain resilient across economic cycles and attractive to debt investors on a risk-adjusted basis.
Incorporate macroeconomic trends and forward-looking risk signals into credit strategy to maintain relevance in evolving market conditions.

Qualifications

Experience

8+ years of relevant experience in commercial risk data science and credit strategy within a fintech or banking environment.
3–4+ years of hands-on experience with Merchant Cash Advance (MCA) credit strategy, including design, calibration, and management of credit strategies.
Strong experience overseeing model deployment, execution, and monitoring in production environments.
ML Ops experience is highly preferred.

About the Company

STAFFWORXS delivers Software Solutions and Services to help Business and Organizations unlock the value of its Potential for growth of the Organization. We have implemented Solutions, provided Strategic Consulting, and assisted in IT Staff Augmentation. Our mission is to provide solutions and services that offer Enormous Value, Dependable Services and Deliver Quality Business Benefits. We believe that a solution can be developed in multiple technologies, but the selection of the right technology is critical. In addition, we ... Know more

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