About VantageScore

At VantageScore we drive impact for good on a massive scale impacting tens of millions of people across the United States. Our mission is to be the leading credit modeling company delivering the most predictive, most innovative and most inclusive tri-bureau models and attributes in the US market. Our innovation is increasing access for millions more Americans to financial products and homeownership. Our models are among, if not the most, inclusive in the United States and power billions of credits scores a year. 

We are fueled by a growing, exceptionally talented team and are actively seeking individuals who can join us in driving us toward our ambitious goals. At VantageScore, you’ll have the unique opportunity to work within a fast-paced, independent start-up culture while enjoying the financial stability that comes from being backed by the three leading US credit bureaus. 

VantageScore® consumer credit scoring models combine the need for both financial inclusion and dependable predictiveness across all scoring ranges. An industry thought leader and technology innovation leader, the company’s most recent models score approximately 94 percent of all adults 18 and older – including 33 million more people than conventional models – without sacrificing safety and soundness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle- income Americans. VantageScore credit scores are used by over 3,400 banks, fintechs and other companies use VantageScore credit scores every day to assess consumer creditworthiness.

Last year, over 27 billion VantageScore credit scores were used representing a 42% yearly increase. Most top 10 US banks, large credit unions and leading fintechs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more. Starting in 2025 the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - we are the leader in predictive power and financial inclusion.

About The Role

We are seeking a highly motivated data scientist to join a brilliant team of analytics professionals and developers who support the innovative development of credit scoring models, generation of unique insights, and the development of new technologies driven by exciting novel value propositions.  

This role will need to support our ongoing research process, pilot program analyses with lenders and fintech companies, and various on-going reporting processes. 

Research support will include analyzing structured and unstructured data sets to derive analytic insights and solutions in support of product management and new product development, as well as conducting overarching analyses on consumer profiling using a variety of data sources.

Pilot program analyses will include running performance analyses on different data sets, back testing, and rejection inferencing. Reporting support will include conducting and improving model monitoring processes and developing any data visualizations to identify and communicate insights. 

To be successful in this role, you will need to be very proficient in Python and have working experience with SAS.

Requirements

• Master’s Degree in a quantitative background (data science, applied mathematics or statistics, computer science, engineering, econometrics or another related field) 
• 3+ years of relevant professional experience in advanced analytics (statistics, machine learning) in research and/or corporate environment 
• Professional experience working with consumer credit bureau data
• Strong data analysis experience and proficiency with machine learning techniques (e.g., classification, clustering, regression, etc.) and ability to support predictive risk and credit model builds and deployments 
• Strong working knowledge with conducting statical/data science analysis in Python 
• Working knowledge of the statistical/mathematical software SAS 
• Experience conducting research to interpret findings into presentations/fact /whitepapers 
• Experience creating analyses to present to business stakeholders 
• Ability to demonstrate effective contribution to a collaborative team environment

Desired Skills

• High level of analytical problem-solving skills and ability to assimilate complex information, as well as experience in building and deploying innovative solutions 
• Commitment to creating rigorous, high-quality insights from data 
• Experience with working on model implementation with engineering teams 
• Experience with adapting new AI and LLM techniques 
• Strong communication skills at all levels of technical & non-technical audience 
• Team player with strong interpersonal skills and experience of working in cross- functional teams, ideally in an Agile setting 
• Self-motivated with the ability to work both independently and collaboratively within teams

Additional

• 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 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!