Senior Data Scientist

Senior AI Engineer Hybrid - Washington D.C. (preferred) or New York, NY About The Role We are seeking a highly motivated and innovative Senior Data Scientist (AI/ML) to join our brilliant team of analytics professionals and developers, supporting the cutting-edge development of credit scoring models, generation of unique insights, and delivery of transformative technologies rooted in innovative value propositions.

In this role, you will

• be essential to credit score model innovation, credit and open banking related research initiatives, pilot program analyses with lenders and fintech partners, and ongoing model monitoring and reporting processes.
• You’ll bring your expertise in AI/ML and GenAI/Large Language Models (LLMs) to advance our use of structured and unstructured data to deliver new products and insights.
• You’ll partner cross-functionally to deliver scalable AI-powered products and solutions that redefine how consumers engage with credit — ensuring our models are accurate, explainable, and aligned with our mission to empower responsible lending and financial inclusion.

Key Responsibilities

• • Conduct advanced research on structured and unstructured data, developing insights to support product management and new product development.
• • Contribute to the design, development, evaluation, and deployment of machine learning (ML) models, including credit risk and predictive models.
• • Serve as the team’s expert on GenAI/LLMs, adapting and fine-tuning models and ensuring explainability and compliance.
• • Drive pilot program analyses, including back-testing, rejection inference, and performance analyses using diverse data sets.
• • Improve and maintain existing model monitoring processes and develop compelling data visualizations and dashboards to communicate key insights to stakeholders.
• • Partner with engineers to operationalize models into production systems, ensuring scalability and resilience at high data and inference volumes.
• • Research and apply emerging AI/ML, GenAI/LLM technologies, staying abreast of state-of-the-art methods, tools, and best practices.
• • Translate complex analyses into clear, actionable business recommendations for both technical and non-technical audiences.
• • Contribute to thought leadership through white papers, presentations, and insights shared internally and externally.
• Basic Qualifications • Master’s or PhD degree in a quantitative field (e.g., Data Science, Applied Mathematics/Statistics, Computer Science, Engineering, Econometrics). • 3-5 years of professional experience in advanced analytics, AI/ML/LLM, and data science in research and/or corporate environments.
• • Proficiency in Python for data science and machine learning workflows.
• • Proven experience with machine learning techniques (classification, clustering, regression, neural networks) for predictive risk and credit modeling.
• • Strong track record of conducting research, developing analyses, and producing clear and impactful presentations or publications.
• • Experience delivering insights and solutions that drive business impact.
• • Experience working in Agile and cross-functional teams.
• Preferred Skills & Experience • Deep expertise in GenAI - Natural Language Processing (NLP) and Large Language Models (LLMs) - including training, fine-tuning, explainability, and deployment.
• • Deep expertise in advanced ML techniques (self-supervised learning, training optimization, explainability) with focus on credit scoring.
• • Proficiency with modern ML/AI technology stack, such as PyTorch, AWS and related tools.
• • Experience delivering innovative, scalable AI/ML solutions integrated into production platforms.
• • High-level analytical problem-solving ability, with creativity in defining and solving ambiguous problems.
• • Exceptional communication skills, able to convey technical concepts to diverse stakeholders.
• • Self-motivated with a collaborative mindset and leadership presence — capable of challenging the status quo and championing innovation.

Compensation

• Salary Range: 120K-150K/year, plus a discretionary bonus • Generous

Benefits

401(K) matched up to 7%, Flexible Time Off, 12 Paid Holidays, Medical/Dental/Vision/Wellness benefits, Monthly Team Events, Modern Work/Collaboration Spaces Join Us and Be the Catalyst of Change in Fintech! Are you a Senior Data Scientist who thrives on innovation and has a deep passion for fintech? We invite you to take the leap and join our team.

Together, let's embark on a mission to redefine the industry and propel your career to new heights at VantageScore!