Data Scientist - Credit & Risk

The role

You will drive credit risk intelligence for the Credit unsecured lending system. You will own portfolio monitoring, research risk trends, and transform borrower behavioral data into guidance for credit strategy and roadmap.

What you will do

• Monitor credit risk models including underwriting, loss forecasting, and fraud detection
• Design, build, and maintain scalable data pipelines, monitoring infrastructure, and dashboards
• Partner with product, research, and engineering teams to define north star metrics
• Design and analyze A/B tests, quasi-experiments, and causal inference studies
• Produce portfolio monitoring and investigative analyses
• Translate quantitative findings into narratives for product, leadership, and stakeholders

Required qualifications

• 4+ years of experience in decision science, credit risk analytics, or a closely related quantitative role within fintech or consumer lending
• Deep proficiency in Python and SQL
• Strong understanding of credit risk modeling concepts, including PD/LGD modeling, scorecard development, reject inference, vintage analysis, and risk segmentation
• Demonstrated experience monitoring credit risk metrics and portfolio performance, including loss forecasting and underwriting model improvement
• Proven ability to influence and collaborate with cross-functional teams and senior stakeholders
• Experience designing and evaluating experiments (A/B tests, holdout groups, or causal inference frameworks) in a consumer product context
• Comfortable with ambiguity and biased toward action
• Strong problem-solving skills and sharp attention to detail

Nice to have

• Experience building or maintaining large-scale data pipelines supporting B2C financial products
• Familiarity with credit bureau data, cash flow underwriting, or alternative data sources in credit model development
• Experience working in emerging markets, ideally on financial products serving everyday consumer needs (microfinance, BNPL, digital lending)
• Strong understanding of DeFi protocol mechanics (lending, yield vaults, ERC4626) and experience with onchain data tooling (Dune, Shovel, Ponder, Goldsky or similar)
• Exposure to regulatory frameworks relevant to consumer credit (FCRA, ECOA, or equivalent)

About the company

Divine Research built Credit, an alternative unsecured lending system using stablecoins. The system has issued over one million loans and is backed by Paradigm and Nascent.