Job details

Data Scientist

Get a free resume review

Credit Key is the leading provider of flexible payments for B2B transactions. Credit Key empowers businesses to offer their customers greater access to capital with flexible payment terms.

Credit Key is seeking a Data Scientist Manager to join our rapidly expanding team. The Data Scientist Manager’s primary responsibilities are in credit and fraud risk management along with analytics for Product and Marketing teams. This is a ‘hands-on’ analytics role with the ability to drive significant results and key insights while leveraging our unique mix of credit, transaction, and payment data. The ideal candidate will be able to independently dig deep into data to solve challenging and fast paced business problems while also helping to build a leading risk management infrastructure and strategy.

What you'll do

Propose, implement, and analyze testing to further enhance key features of our credit risk framework including approvals, line assignment, pricing, and term lengths
Create new strategies to identify and mitigate fraud risk across the credit lifecycle- from new applications, to real time transaction authorizations, to account management
Partner directly with industry leading small business lending data providers to optimize use of existing data and explore and assess new data providers to improve our credit and fraud strategy performance
Create, execute, and analyze A/B testing experiments to improve credit performance
Develop, validate, and implement proprietary credit models using our unique data to drive our acquisition and account management risk strategies
Develop and execute credit and fraud risk tracking and credit bureau reporting.
Work in a very cross-functional, fast paced environment with key stakeholders in Finance, Product, Marketing, and Operations.

What we look for

Bachelor’s Degree in STEM field. Master’s Degree preferred
Minimum of 2 years of experience in a Data Scientist role at a lending organization (Fintech, bank, credit union, etc.)
Prior experience with large complex time series datasets at a financial institution
Prior first line of defense credit or fraud risk management experience at a Fintech, BNPL, and/or Small Business Lending experience a plus

Experience utilizing consumer and commercial credit bureau score and tradeline data to enhance credit strategies

Deep hands-on experience in data analysis (writing your own code) utilizing tools such as Python, R, SQL, Tableau, SAS, or equivalent
Experience in financial modeling to determine business cost benefit results from A/B testing.
Strong communication skills to influence key stakeholders including executive management, partner bank, and debt facility teams
A team player attitude with the ability to communicate clearly with both technical and non-technical stakeholders and handle ambiguity

Why you want to work with us:

Competitive Compensation Package with equity and paid time off
Great Healthcare Benefits
401k Match
100% Remote. Flexible Work Schedule & Location
Supportive, low ego, highly collaborative team environment
Work From Home Stipend

What You Should Know About Data Scientist, Credit Key

Join Credit Key as a Data Scientist Manager and become a vital part of our mission to empower businesses with flexible payment solutions for B2B transactions. In this role, you'll dive into the exciting world of credit and fraud risk management, using your analytical skills to unlock key insights that drive our product and marketing strategies. As a hands-on professional, you'll analyze credit performance data and work closely with industry-leading data providers to refine and optimize our risk management infrastructure. Your contributions will directly impact our ability to make smarter decisions by implementing innovative strategies to detect and mitigate fraud risk at every stage of the credit lifecycle. You'll collaborate with cross-functional teams, including Finance, Product, Marketing, and Operations, to ensure we’re all aligned on our goals. If you hold a Bachelor's in a STEM field, have at least 2 years of experience as a Data Scientist in a lending organization, and possess a knack for data analysis using tools like Python, R, or SQL, then we want to hear from you! At Credit Key, we foster a supportive, collaborative work environment where you’ll have the freedom to contribute meaningfully and the flexibility to work from anywhere. With competitive compensation, great healthcare benefits, and a remote-friendly culture, this is your chance to make a mark in the Fintech industry while enjoying a rewarding work-life balance.

Frequently Asked Questions (FAQs) for Data Scientist Role at Credit Key

What are the primary responsibilities of a Data Scientist Manager at Credit Key?

The Data Scientist Manager at Credit Key is mainly focused on credit and fraud risk management and analytics for Product and Marketing teams. Responsibilities include developing and analyzing credit risk frameworks, creating fraud risk mitigation strategies, executing A/B testing experiments, and collaborating with various stakeholders to enhance credit performance.