Senior/Staff Credit Data Scientist

Job overview

The Senior/Staff Credit Data Scientist role is remote; Splash Financial describes its workplace as remote-first, and the posting does not specify a narrower remote scope. The stated base salary range is $143,000–$220,000 annually; the role may also be eligible for a performance-based bonus. Splash Financial’s mission is to help people become more powerful than their debt through lending technology and refinancing options. The data scientist develops and deploys credit risk and pricing models to support responsible, scalable lending growth. The role turns credit and loan performance data into underwriting, pricing, and decisioning improvements, while partnering with Engineering and business teams to deliver reliable models and actionable insights.

What you'll do

• Develop and deploy statistical and machine learning models for credit risk, delinquency, defaults, and loan losses
• analyze credit bureau, alternative, and loan performance data
• build pricing models
• evaluate AI-powered agents and workflows
• apply feature engineering and model validation
• partner with Engineering on production models and pipelines
• monitor performance and investigate anomalies
• document methodologies and governance considerations
• lead initiatives, mentor colleagues, and collaborate with Credit Risk, Product, Engineering, and Finance.

What we're looking for

Skills & competencies

senior/staff credit data scientist

remote

$143k–$220k

credit risk analytics

consumer lending

pricing models

python

machine learning

underwriting

model validation

splash financial

remote-first

Work arrangement

• Weekend coverage required

Benefits & perks

• Flexible paid time off and nine company holidays
• equity
• insurance benefits
• paid parental leave
• work equipment
• paid Claude subscription
• 401(k)
• quarterly meet-ups.

Why this role

Remote-first workplace; requires 8+ years of relevant quantitative experience and advanced Python proficiency. Master’s degree or PhD strongly preferred.

About the employer

Splash Financial is hiring for this role. Industry: Consumer Lending. Sector: 52.