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AI Credit Scoring Model Analyst

Dominic Johansson

Full-time · Job · New_York

About the role

Traditional credit scores miss 45 million Americans who are "credit invisible" — people with thin files or no credit history at all. Our alternative credit scoring models use non-traditional data sources to assess creditworthiness: rent payments, utility bills, bank transaction patterns, and employment stability signals. The goal is expanding access to credit without increasing default rates. As a junior model analyst, you'll support the model development lifecycle: preparing training data, running feature importance analyses, validating model outputs against known outcomes, and generating the performance reports that regulators require. You'll also help maintain our model monitoring dashboards that track live performance across different borrower segments. The analytics team is four people. You'll work under a senior data scientist who designs the models; your job is the rigorous testing and validation work that turns a prototype into a production-ready, regulation-compliant scoring system. Expect to learn a lot about fair lending regulations, model governance, and the difference between statistical accuracy and business value.

Responsibilities

  • Prepare and validate training datasets for credit scoring models
  • Run feature importance and sensitivity analyses
  • Generate model performance reports for internal and regulatory review
  • Monitor live model performance across borrower segments
  • Help maintain documentation for model governance requirements
  • Support fair lending analysis and disparate impact testing

Requirements

  • 1+ year of data analysis experience with Python and SQL
  • Basic understanding of classification models and evaluation metrics
  • Familiarity with pandas and scikit-learn
  • Strong attention to detail for regulatory documentation
  • Interest in financial inclusion and responsible AI

Benefits

  • Fully remote position
  • Health and dental insurance
  • $1,500 learning stipend
  • Mentorship from senior data scientists
  • Mission-driven team focused on financial inclusion

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Categories

data science & analytics AI Business, Marketing & Strategy

Skills

python sql pandas statistics scikit-learn

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Job Type

Full-time

Level

Junior

Language

English

Salary Range

Under $60k / year

AI Expertise

data science & analytics AI Business, Marketing & Strategy

Skills

python sql pandas statistics scikit-learn

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