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AI Buy-Now-Pay-Later Default Risk Modeler

Cole Mueller

Full-time · Job · Denver

About the role

As a fully async team spread across 7 time zones, we believe great engineers don't need to be in the same room to do their best work. We already have a solid transaction categorization pipeline and years of repayment data across our buy-now-pay-later product line. What's missing is a dedicated default risk model that scores a borrower at checkout, not just after the fact. You'll own that model end to end, from feature engineering on repayment history to shipping a real-time score into the checkout flow. We don't care where you work from, we care about output, clear communication, and ownership.

Responsibilities

  • Build default risk models using historical repayment data
  • Engineer features from transaction and checkout behavior
  • Ship real-time scoring into the checkout flow
  • Monitor model drift as spending patterns shift
  • Partner with risk and finance teams on threshold tuning

Requirements

  • 4+ years in credit risk or fraud modeling
  • Strong SQL and Python skills for large transaction datasets
  • Experience with scikit-learn or similar modeling libraries
  • Comfortable working async across time zones
  • Background in consumer lending a plus

Benefits

  • Fully remote, fully async culture
  • Flexible working hours
  • Health insurance stipend
  • Home office setup budget
  • Annual team retreat

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Categories

data science & analytics AI & Machine Learning Engineers

Skills

python sql scikit-learn pandas statistics

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Job Type

Full-time

Level

Senior

Language

English

Salary Range

$160k – $200k / year

AI Expertise

data science & analytics AI & Machine Learning Engineers

Skills

python sql scikit-learn pandas statistics snowflake

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