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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Data Scientist, Credit Risk Analytics - **Company:** Prosper Funding LLC - **Location:** San Francisco, CA, United States (Remote available) - **Experience:** Experienced - **Salary:** $129,000.0 - $179,000.0 - **Contract:** Permanent contract - **Skills:** Clean Code Principles, Data Analysis, Databases, Python (Programming Language), Machine Learning, SQL Databases, Information Technology, Statistics Packages, Machine Learning Operations - **Published:** August 5, 2026 - **Apply:** https://jobs.lever.co/prosper/0ee025d7-922b-436e-92f5-0744ffa3097e/apply ## About the Role * 2-3+ years of work experience in fintech, finance, or another high-impact field applying statistical and machine learning predictive techniques. Consumer lending experience in unsecured personal loans or credit cards is a strong plus. * Advanced degree (M.S./Ph.D.) preferably in statistics, computer science, engineering, physical sciences, economics, or a related technical field. * Expert knowledge of statistical programming languages (e.g., Python) and database languages (e.g., SQL). * Solid understanding of coding best practices, model documentation, and ML ops principles. * Strong communication skills with the ability to translate complex technical subject matter into clear, actionable business strategies for cross-functional partners and senior management. * Strong ability to collaborate seamlessly with people across various functions (engineering, product, compliance) and build strong relationships. * Ability to work unsupervised in a fast-paced environment, effectively prioritizing among parallel technical and strategic projects. * Ability to innovate within regulatory guidelines with a strong commitment to reproducible research and model governance. * Self-motivated, results-oriented, enthusiastic, and a creative thinker who bridges the gap between data science and business strategy., * 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 ## Description * Build industry-leading machine learning models for managing credit and fraud risks. Collaborate closely with engineering to deploy models into a production environment. * 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. * Propose and execute strategic solutions to complex business problems, operating effectively within constraints and aligning with broader company objectives. * Analyze ad-hoc portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers. Communicate findings and recommendations to the Risk Management and broader Prosper community. * Help the team develop internal tools and workflow solutions to increase data science productivity and operational efficiency. * Actively monitor credit risk models and strategies in production, extracting actionable insights to significantly impact key business metrics. * Assess the potential usefulness and validity of new machine learning algorithms and features sourced from diverse, alternative data providers. * Conduct high-impact, ad-hoc analyses supporting risk management, investor services, operations, and corporate development initiatives. ## Related Videos - [Fault Tolerance and Consistency at Scale: Harnessing the Power of Distributed SQL Databases](https://www.wearedevelopers.com/videos/1146-fault-tolerance-and-consistency-at-scale-harnessing-the-power-of-distributed-sql-databases) - [Data Science in Retail](https://www.wearedevelopers.com/videos/586-data-science-in-retail) - [Detecting Money Laundering with AI](https://www.wearedevelopers.com/videos/111-detecting-money-laundering-with-ai) - [Kubernetes and Microservices with Multi-Model Databases](https://www.wearedevelopers.com/videos/382-kubernetes-and-microservices-with-multi-model-databases) - [Fault Tolerance and Consistency at Scale: Harnessing the Power of Distributed SQL Databases](https://www.wearedevelopers.com/videos/1520-fault-tolerance-and-consistency-at-scale-harnessing-the-power-of-distributed-sql-databases) - [TiDB, One Layer at a Time: How Distributed SQL Became an Agentic AI Backbone](https://www.wearedevelopers.com/videos/100117-tidb-one-layer-at-a-time-how-distributed-sql-became-an-agentic-ai-backbone) ## Related Articles - [The Biggest German Tech Companies](https://www.wearedevelopers.com/magazine/424-the-biggest-german-tech-companies) - [Coffee with Developers - Maria Apazoglou - Making AI understandable for all in production](https://www.wearedevelopers.com/magazine/475-coffee-with-developers-maria-apazoglou-making-ai-understandable-for-all-in-production) - [Fully Remote Software Engineer Jobs](https://www.wearedevelopers.com/magazine/447-fully-remote-software-engineer-jobs) - [How to start an AI project for a good cause and boost your career](https://www.wearedevelopers.com/magazine/15-how-to-start-an-ai-project-for-a-good-cause-and-boost-your-career) - [The Fastest-Growing Tech Sectors to Look Out for in 2025](https://www.wearedevelopers.com/magazine/373-the-fastest-growing-tech-sectors-to-look-out-for-in-2025) - [Highest Paying Tech Companies for Developers](https://www.wearedevelopers.com/magazine/220-highest-paying-tech-companies-for-developers)