[Remote] Data Scientist - Credit

Note:The job is a remote job and is open to candidates in USA. Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. The Data Scientist role is focused on building and improving risk models that drive credit decisions, utilizing machine learning solutions to enhance customer outcomes and support critical business decisions. Responsibilities Build high performance ML models that improve credit predictability and customer outcomes Build end-to-end machine learning pipelines including data extraction, feature engineering, model building, performance evaluation, and implementation Explore rich data assets to uncover trends, identify key risk drivers, and generate insights Manage full modeling lifecycle: model design, data preparation and exploration, feature engineering, model development, evaluation, deployment, monitoring and documentation Design experiments and challenger models to test new ideas and drive innovation Help monitor model performance, including model stability, drift detection, and performance diagnostics Contribute to audit-ready documentation and support model validation and governance processes Leverage modern AI technology and tools to improve workflow, enhance modeling performance, establish and promote best practices Work cross-functionally to ensure models are explainable, transparent, and aligned with business goals and regulatory expectations Translate analytical findings into recommendations for Strategy, Pricing, and other business decisions Skills A Master's or PhD degree in a quantitative field (Statistics, Mathematics, Computer Science, Economics, Data Science, Engineering, etc.) 1+ years of experience developing predictive models or performing advanced analytics Strong understanding of statistical modeling and machine learning fundamentals Proficiency in Python (e.g., pandas, numpy, scikit-learn) and SQL Experience working with large datasets Ability to clearly communicate analytical findings to both technical and non-technical audiences Demonstrated ownership, curiosity, and ability to deliver high-quality results Experience in credit risk, lending and financial services Exposure to cloud environments and modern data tooling Familiarity with model monitoring, validation, and model governance concepts Interest in using AI tools (e.g., ChatGPT, Claude, Gemini) to accelerate modeling and analysis Benefits Pre-tax and post-tax retirement savings plans with a competitive company matching program Generous paid time-off plans including vacation, personal/sick time, paid short--term and long-term disability leaves, paid parental leave, and paid company holidays Multiple health care plans to choose from, including dental and vision options Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!Company Overview Best Egg is a consumer financial technology platform that aims to help people feel more confident about their everyday finances through a suite of products and resources. It was founded in 2013, and is headquartered in Wilmington, Delaware, USA, with a workforce of 501-1000 employees. Its website is Company H1B Sponsorship Best Egg has a track record of offering H1B sponsorships, with 2 in 2025. Please note that this does not guarantee sponsorship for this specific role.