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Prosper

Data Scientist, Credit Risk Analytics (Sr. level open)

🇺🇸 United StatesRemote

Posted Nov 9, 2026Updated Nov 11, 2026

Your role in our mission

Prosper is seeking a Data Scientist for the Data Science team under our Credit Risk Analytics vertical. You will become a core contributor with machine learning expertise on the credit risk team and deliver results that directly impact our business.

How you’ll make an impact

  • Build industry-leading machine learning models for managing credit and fraud risks

  • Leverage complex data sources (e.g., credit bureau reports, customer-supplied information) at scale to develop credit and fraud strategies to improve the credit performance and optimize risk decisions.

  • Collaborate with engineers to deploy your models into a production environment

  • Propose and execute solutions to various problems within business constraints

  • Use responsible AI technique following regulatory requirements and lending best practices

  • Help the team with developing tools and workflow solutions to increase data science productivity

  • Actively monitor the credit risk models in production

  • Extract the most value out of data to significantly impact our key business metrics

  • Assess the potential usefulness and validity of machine learning algorithms and features through various data sources

  • Conduct ad-hoc analysis related to risk management, investor services, operations and corporate development

    • Skills that will help you thrive

  • 3+ years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques (educational experience taken into consideration). Consumer lending experience in unsecured personal loan or credit card is a plus

  • Advanced degree (M.S./PhD) preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field

  • Sr. level: M.S. with 6+ years of experience or PhD with 3+ years of experience

  • Expert knowledge in one of the statistical programming languages such as Python, and database languages such as SQL

  • Solid understanding of coding best practices and model documentation

  • Strong communication skills – ability to clearly and succinctly communicate technical subject matter to other team members and senior management

  • Strong interpersonal skills – collaborate with people across functions and develop strong relationships

  • Ability to work unsupervised in fast-paced environment and prioritize among parallel projects

  • Ability to think within regulatory guidelines with a mindset toward reproducible research

  • Self-motivated, results-oriented, enthusiastic, and a creative thinker

    • Resources to help you prosper

  • A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported
  • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security
  • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage
  • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace

    • Interview Process

  • Recruiter Call: A brief screening to discuss your experience and initial questions
  • Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member
  • Technical Interview: Deeper dive into coding skills
  • Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercise
    • Apply on company site