Lead custom analytics and modeling engagements from scoping through delivery and ongoing support.
Develop credit strategies and ML models (underwriting, line assignment, pricing, early warning, collections).
Engineer features from alternative, transactional, and bureau data (e.g., recency, frequency, volatility, trend, and behavioral metrics).
Evaluate and integrate third‑party/alternative data sources (sub‑prime bureaus, cash-flow, telco, utility, and specialty data).
Partner with clients to build end‑to‑end credit strategies that balance approvals, losses, efficiency, and customer experience.
Deliver clear, executive‑ready insights, documentation, and strategy recommendations.
Present results directly to risk leaders, analytics teams, and senior client partners.
Support model implementation, monitoring, stability analysis, and ongoing optimization.
Work cross‑functionally with Product, Engineering, and Sales to align custom solutions with broader AFS capabilities.

7+ years in credit risk analytics, data science, or advanced analytics, with experience in non‑prime or near‑prime lending.
Hands‑on modeling experience using alternative data.
Proficiency in Python (Pandas, NumPy, scikit‑learn, XGBoost/LightGBM) for feature engineering, modeling, and analysis.
Advanced SQL experience working with complex, and imperfect datasets.
Experience with non‑prime risk dynamics: thin‑file consumers, volatility, fraud risk, early‑default behavior.
Experience with model evaluation (AUC, KS, lift, bad‑rate curves, stability, PSI).
Work directly with clients and translate analytics into deployable strategies.
Explain complex models in clear business terms.
Background in financial services, alternative lending, FinTech, or specialty finance.
Experience with AFS data sources (Clarity, FactorTrust, MicroBilt, cash‑flow or specialty bureaus).
Familiarity with model governance, explainability, and regulatory considerations in non‑prime lending.
Experience deploying or supporting ML models in production environments.
Exposure to fraud, identity, or first‑payment‑default (FPD) modeling.
Experience mentoring junior data scientists or analysts.
Consult, client delivery, or solution‑oriented project experience.

Great compensation package
Core benefits including medical, dental, vision, and matching 401K
Flexible work environment, ability to work remote, hybrid or in-office
Flexible time off including volunteer time off, vacation, sick and 12-paid holidays

Senior Data Scientist – Alternative Data, AFS Solutions

Key skills