Credit Risk Analytics

Credit Risk Analytics Data Jobs

2 jobs found

Today

Data Scientist I

Driveway Finance Corporation Tigard, OR

Tigard, OR

Today

$60k - $85k/yr Full time Analytics Artificial Intelligence Business Analytics

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Job Description

Driveway Finance Corporation applies data, statistical modeling, machine learning, and AI to support credit risk analytics and pricing strategy for U.S. vehicle lending and leasing. In this hybrid role based in Tigard, OR, you will help build and validate models and datasets, monitor performance, and explain outcomes to both technical and business partners.

Data Scientist I (hybrid, Tigard, OR) focuses on turning analytical work into practical risk strategies. You will analyze portfolio performance, develop and test credit risk models, and contribute pricing and analytics insights for Lithia and Driveway teams, including Driveway.com, sales, and marketing.

What you’ll do

Analyze U.S. vehicle lending and leasing portfolio performance, identify risk trends, and deliver actionable recommendations.
Develop and maintain credit risk models, decision rules, risk tiers, and related analytical strategies.
Test and validate models and credit policies using historical analysis, back-testing, simulations, and appropriate performance measures.
Build analytical datasets and reporting using Python, SQL, and relevant cloud or business intelligence platforms.
Monitor model, policy, and portfolio performance and recommend adjustments as business conditions, customer behavior, or data quality changes.
Develop and evaluate pricing strategies, including risk-based pricing, profitability analysis, pricing optimization, and measurement of outcomes.
Support Lithia businesses and functions (including Driveway.com, sales, and marketing) by identifying analytical opportunities, building models and insights, and translating results into business recommendations.
Partner with credit, finance, operations, product, technology, data engineering, and governance teams to implement analytical solutions.
Communicate methods, assumptions, limitations, findings, and business impact to technical and non-technical stakeholders.

Required qualifications

Master’s degree in a quantitative field (data science, statistics, mathematics, computer science, engineering, economics, finance, actuarial science, or closely related); advanced degree is an asset.
3+ years of relevant experience as a data scientist, including credit risk analytics, statistical modeling, or related quantitative work.
Hands-on experience developing, testing, or validating statistical or machine learning models using Python, R, or similar tools.
Strong SQL skills with large, complex datasets, including data preparation, reconciliation, and quality assessment.
Knowledge of model development and validation concepts such as sampling, feature engineering, performance measurement, calibration, stability testing, back-testing, and monitoring.
Ability to convert analytical results into practical risk strategies and explain technical concepts to business stakeholders.
Strong written documentation, problem-solving, attention to detail, and time-management skills.
Ability to collaborate effectively across credit risk, finance, product, operations, compliance, technology, and data teams.

Technologies

Python, SQL, R
Microsoft Azure, Databricks, Spark
Power BI, Tableau

Compensation and work arrangement

Location: Tigard, OR (hybrid). 3 days in office, 2 days from home.
Target hiring range: $60,000 - $85,000 per year.
Actual compensation will be $73,000 - $82,000, based on experience, skills, job-related knowledge, and geographic location.
Final pay decisions are made through the interview process and in accordance with applicable pay equity and transparency laws.

Benefits

Competitive pay
Medical, Dental and Vision Plans
Paid Holidays
PTO: 80 hours front-loaded on day 1
Short and Long-Term Disability
Paid Life Insurance
401(k) Retirement Plan
Employee Stock Purchase Plan
Lithia Learning Center
Vehicle Purchase Discounts
Wellness Programs

Preferred qualifications

Experience in automotive finance, vehicle leasing, consumer lending, banking, fintech, or another regulated credit environment.
Experience with credit decisioning strategies, scorecards, risk-tier assignment, policy rules, expected loss, delinquency, collections, prepayment, or residual value analytics.
Experience with model risk management, independent model validation, governance documentation, production monitoring, or audit support.
Experience with cloud data and analytics platforms such as Microsoft Azure, Databricks, Spark, or equivalent technologies.
Experience with visualization or business intelligence tools such as Power BI or Tableau.
Knowledge of U.S. consumer credit markets and applicable privacy, fair lending, consumer protection, and responsible-use expectations for data and models is an asset.
Experience working with U.S. credit bureau data, fair lending analysis, or regulated consumer lending requirements is an asset.

Additional information

High School graduate or equivalent, and 18 years or older required.
Drug-free workplace.
Equal employment opportunity statement applies (regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status).
Qualified applicants are considered regardless of criminal histories, consistent with legal requirements.
Reasonable accommodations may be made to enable individuals to perform the essential functions.
Dealership: L0238 Driveway Finance Corporation

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Today

Senior Data Scientist

Danology Greenville, SC

Greenville, SC

Today

$115k - $125k/yr Full time Senior Credit Risk Analytics Data Science

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Job Description

Danology is hiring a Senior Data Scientist for financial services, focused on building and deploying credit risk, fraud detection, and customer analytics models. This hybrid role is based in Greenville, SC and includes end-to-end ownership of client engagements, collaboration with technical teams, and mentorship of junior data scientists.

Key Responsibilities

Lead data science delivery on client engagements, from initial scoping through final delivery.
Manage typically 1–2 engagements at a time.
Build, validate, and deploy credit risk models, including probability-of-default, loss forecasting, and scorecard development.
Build, validate, and deploy fraud detection models, including transaction monitoring and near-real-time anomaly detection.
Build, validate, and deploy customer analytics models, including segmentation, churn, and next-best-offer modeling.
Translate ambiguous business needs into clear modeling problem statements and communicate modeling tradeoffs to clients.
Produce documentation suitable for model risk management review, including SR 11-7 or similar requirements.
Present results to client executives and to technical teams.
Mentor 2–3 junior data scientists through code reviews and methodology discussions.

Required Qualifications

5+ years of data science experience, including 2–3 years working with financial services data.
Strong Python skills (pandas, scikit-learn, XGBoost/LightGBM) and SQL; R is a plus.
Experience deploying models on AWS or Azure.
Working knowledge of credit products and relevant regulations (for example, fair lending and model governance).
Ability to work directly with clients and lead projects with minimal supervision.
Master’s or PhD in a quantitative field preferred; equivalent experience will be considered.

Technologies

Python, pandas, scikit-learn, XGBoost, LightGBM, SQL, R
AWS, Azure, Spark, Databricks

Benefits

Health, dental, and vision insurance, with 80% of employee premiums covered.
401(k) with a 4% company match.
15 days PTO plus 10 paid holidays.
$2,500 annual training and conference budget.
Company laptop.
$500 home office stipend.

Nice to Have

Prior consulting experience.
Experience with explainability methods such as SHAP or reason codes for adverse action notices.

Hiring Process

30-minute intro call with the founder.
60-minute technical conversation about past modeling work (no live coding).
Case discussion based on a realistic client scenario.
Offer typically within 2–3 weeks of first contact.

Role Details

Location: Greenville, SC (hybrid)
Compensation: USD 115,000–125,000 per year

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Credit Risk Analytics Data Jobs

Data Scientist I

Senior Data Scientist

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