Staff Data Scientist, Risk

Company 

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

Overview

Come join our AI/ML and Data Science community at Credit Genie! We are seeking a technical Data Science leader with a solid background in analytics and the consumer risk domain who is excited about solving hard Data Science and analytics problems and driving results while maintaining the highest bar for methodological rigor. In this role, you will have an opportunity to design and implement our company’s next generation of risk optimization strategies that will have a vast impact across underwriting, fraud prevention, and collections. These risk optimization strategies are central to our business and have a direct impact on our customers every day. You will design, execute, and evaluate experiments to drive continuous learning and improvement in our risk optimization processes.

What You'll Do

• Leverage advanced analytics and machine learning models to optimize Credit Genie’s risk strategies across credit, fraud, and collections

• Own the development and delivery of risk insights, driving data-informed decisions that minimize losses while enabling sustainable business growth

• Monitor and analyze key risk KPIs, identify emerging loss trends, and propose strategy enhancements to continuously improve approval and portfolio performance

• Collaborate cross-functionally with Product, Engineering, Data, and Machine Learning teams to align on shared objectives, provide strategic insights, and deliver actionable solutions

• Act as a strategic risk advisor to business stakeholders, translating complex analyses into clear, high-impact recommendations

• Tackle ambiguous, high-impact problems with creativity and analytical rigor, developing novel solutions that directly improve customer experience and portfolio outcomes

Requirements

• A Bachelor’s degree in in Statistics, Mathematics, Business, Economics, or related fields; an advanced degree is preferred

• 8+ years of experience analyzing data using SQL or Python. Proficiency in Python for data processing and modeling is preferred

• Hands-on experience in risk strategy within payments, lending, banking, or financial institutions is a plus

• Proven ability to design, execute, and interpret experiments (e.g. A/B testing or causal analysis) to measure impact and inform risk strategy

• Exceptional problem-solving abilities, analytical rigor, and the ability to translate complex findings into actionable insights for non-technical audiences

• Strong organizational skills with the ability to manage multiple projects in a fast-paced environment and meet tight deadlines

• Experience with SQL and data platforms such as Snowflake, Databricks, and Tableau

Benefits and Perks

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness.

We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees.

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment. 

• Monthly fitness reimbursement up to $100 or a full membership to LifeTime Fitness

• 401(k) with a 2.5% match and immediate vesting 

• Meal program for breakfast, lunch, and dinner

• Life and accidental insurance

• Flexible PTO

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.