Credit Strategy Data ScientistSan R&D Business Solutions LLC • San Jose, CA, us
Credit Strategy Data Scientist
San R&D Business Solutions LLC • San Jose, CA, us
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job_description.job_card.job_descriptionBachelor’s degree in Computer Science, Engineering, Mathematics, Statistics, Data Mining, or a related quantitative field (or equivalent experience). Minimum 2 years of experience in risk analytics, data analysis, or data science within Fintech, banking, or online payments . Demonstrated ability to apply statistics and data science techniques to solve real-world business and risk problems. Proficiency in SQL and Python , including experience with key data science libraries (e.g., pandas, NumPy, scikit-learn). Advanced Excel skills for data analysis and reporting. Experience working with large datasets and extracting actionable insights from structured and unstructured data. Strong data visualization skills with tools such as Tableau (or equivalent). Ability to clearly communicate complex analytical results to both technical and non-technical stakeholders . Strong analytical, problem-solving, and decision-making abilities. Comfortable working in ambiguous, fast-paced environments and driving analytics projects toward measurable outcomes. Experience with AWS or other cloud-based data environments. Familiarity with credit products , payment rule systems , and fraud prevention mechanisms . Knowledge of machine learning techniques applied to risk modeling or loss forecasting. Experience designing and maintaining real-time risk systems or data pipelines. Background in project management , including the ability to manage competing priorities and multiple deliverables. Strong business acumen with the ability to link data insights to strategic recommendations. Development of dashboards and visual tools to track key KPIs of credit strategies. Design and implementation of data-driven risk strategies that effectively control losses while maximizing eligible customers. Delivery of data-backed insights and recommendations that drive measurable impact on credit performance. Strong collaboration with product and engineering teams to deploy scalable, automated risk solutions in real time.
Job Description
Job Title : Credit Strategy Data Scientist
Work Location : San Jose, CA
Work Type : Remote
Contract Type : W2 Only
Work Authorization : Only GC / US Citizens
About the Role :
We are seeking a talented, data-driven, and motivated Credit Risk Strategy Analyst to join our growing Credit Risk team. In this role, you will play a key part in shaping our credit risk assessment, data analytics, and loss mitigation strategies . You’ll leverage your expertise in data science, risk modeling, and business analytics to develop and refine predictive algorithms, identify emerging risk trends, and drive strategic decision-making.
The ideal candidate brings hands-on experience in Fintech or online payments , strong technical skills in SQL and Python , and a deep understanding of credit risk principles. This is an opportunity to make a measurable impact by building smarter risk strategies that balance growth with responsible lending.
Key Responsibilities :
- Design and implement credit risk strategies and rules to detect, manage, and mitigate losses across portfolios.
- Analyze large and complex datasets to identify loss trends, patterns, and root causes.
- Develop and test predictive models to improve risk detection and optimize customer eligibility.
- Conduct forensic reviews of novel or large loss cases , documenting findings and recommending improvements.
- Partner with product, engineering, and operations teams to strengthen control systems and ensure seamless execution of risk strategies.
- Build and maintain dashboards and visualizations to monitor the performance of implemented credit strategies and KPIs.
- Prepare and deliver presentations and insights to technical teams, business stakeholders, and leadership.
- Utilize data analysis to design and implement strategies that balance customer growth and loss control .
- Collaborate cross-functionally to ensure compliance, data quality, and efficient deployment of credit solutions.
- Stay informed about industry trends, new technologies, and regulatory developments in credit risk management.
Required Skills & Qualifications :
Preferred Skills :
Expected Outcome :
Requirements
Risk Analytics, Fraud Mitigation, Python, SQL, AWS Quicksight, Tableau
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