Senior Data Scientist - Credit & Lending - Remote

Overview

As a Senior Data Scientist at Mercury, you will play a crucial role in shaping the credit decisions made across our platform, directly influencing underwriting, risk, and credit operations.

In Short

• Design and develop ML and statistical models for the credit lifecycle.
• Build production-grade models that meet fairness and regulatory standards.
• Collaborate with cross-functional teams to define credit policies and risk strategies.
• Identify high-signal features from credit data.
• Design modeling infrastructure for Mercury's ML platform.
• Proactively identify opportunities to expand access while managing risk.
• 7+ years of experience in data science, ML, or analytical roles.
• Experience in fintech or traditional banking is preferred.
• Fluency in SQL and Python required.
• Ability to work with noisy or sparse data.

Requirements

• 7+ years in data science, ML, or analytical roles.
• 2+ years in credit, credit risk, or lending.
• Experience with credit risk modeling techniques.
• Proven ability to build production-grade ML models.
• Fluent in SQL and Python, familiar with data platforms.
• Comfortable with ambiguous data environments.
• Strong independent working skills.

Benefits

• Competitive base salary and equity (stock options).
• Comprehensive benefits package.
• Opportunities for professional growth.
• Diversity and inclusion initiatives.
• Support for applicants with disabilities.