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# Data Scientist, Risk

- **Company:** The Ladders
- **Location:** United States (Remote available)
- **Experience:** Expert
- **Salary:** $120,000.0 - $150,000.0
- **Contract:** Permanent contract
- **Skills:** A/B Testing, Artificial Intelligence, Data Transformation, Python (Programming Language), SQL Databases
- **Published:** August 10, 2026
- **Apply:** https://arc.dev/remote-jobs/j/redirect/pb8uqik8a3

## About the Role

* 5-8 years of experience in data science or risk analytics, preferably in a fintech or startup environment
 * Strong skills in Python and SQL for model creation and data transformation
 * Experience in building credit risk or predictive models in a regulated setting
 * Deep understanding of statistical methods, experimentation design, and causal analysis
 * Comfortable using AI tools to boost analytical workflows and outcomes
 * Proficient in presenting complex analyses to diverse audiences, including leadership
 * Ability to independently manage projects in a rapidly evolving startup context

## Description

* Own optimization of the credit decisioning process across multiple acquisition channels
 * Develop and refine underwriting, targeting, and segmentation models
 * Design and implement A/B tests to evaluate credit policies with structured reporting
 * Construct models linking application volume to financial outcomes like approval rates and expected losses
 * Create AI-powered workflows that autonomously monitor and diagnose performance anomalies
 * Collaborate with cross-functional teams to develop new targeting criteria and risk frameworks
 * Build frameworks to identify and expand credit access to underserved populations


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