Director of Data Science, Credit

We’re looking for a Director of Data Science to own the strategy and technical leadership behind Mission Lane’s credit acquisition models, reporting to the Sr. Director, Data Science.

The impact you’ll make:

Someone hits submit on a credit card application, hopeful this is the “yes” that lets them start building toward something: a car, a home, a little more room to breathe. You’ll lead the strategy and the team behind decisions like that one. Keeping every decision accurate and fair as circumstances shift makes this work interesting and rewarding, every day.

Mission Lane is young, but we’ve landed in an exciting, stable stretch of maturation: still moving toward what we’re going to become, with plenty of room for you to help shape it.

What you’ll own:

• Mission Lane’s credit acquisition modeling strategy, translating the company’s growth and underwriting goals into a roadmap that balances approval rates, portfolio performance, and fair lending practice
• Technical leadership for the data scientists building and maintaining acquisition models, setting the bar for model design, code quality, and production rigor
• Model risk and monitoring practices that keep acquisition models compliant, explainable, and accurate as underwriting conditions change
• Cross-functional alignment with Credit Risk, Portfolio, Data Engineering, and company leadership on how acquisition modeling fits into Mission Lane’s broader risk appetite
• A growing scope as acquisitions-adjacent growth initiatives roll into the team, giving you room to shape how the function expands

Our core tech stack includes:

Python and the Python data stack (numpy, polars, scikit-learn), LightGBM, DVC, Kubernetes, Airflow, Google Cloud, and Chalk, our feature store

You’ll thrive in this role if:

• You stay anchored to the business problem you’re solving, keeping the modeling technique in service of the goal.
• You’re curious by nature, the kind of person who wants to understand how the pieces fit together.
• You’ve made predictions where the outcome doesn’t show up for a year or more, and you build in the discipline that requires, including practicing sound model risk management.
• You can mentor and raise the technical bar for experienced data scientists without needing to be the smartest person in every room.
• You partner naturally with people outside data science, translating technical trade-offs into decisions the business can act on., Coordinates installation projects from initial customer and provider contact through scheduling, product delivery, compliance documentation, issue resolution, and post-completion work orders. Communicates with customers, service providers, stores, and vendors through inbound and outbound calls, documents interactions in company systems, ensures SLA adherence, assesses costs and chargebacks, and supports consistent customer service and process improvement in a fast-paced environment. Top Skills: Installation Management SystemMyredvestSalesforce Corporate Tools LLC

Merchant Services Representative

4 Hours Ago Remote or Hybrid 19-19 Hourly Entry level 19-19 Hourly Entry level eCommerce * Legal Tech * Professional Services * Software * Data Privacy Conduct outbound consultation calls with clients about credit card processing, assess merchant needs, recommend cost-effective solutions, and convert leads into merchant account applications. Provide customer service, manage client relationships, communicate by phone and email, follow up on pricing quotes, and support other customer service teams. The role requires learning point-of-sale systems and credit card terminals while using consultative sales, negotiation, and problem-solving skills. Top Skills: Credit Card TerminalsPoint-Of-Sale Systems Coupa

• Has a PhD in a quantitative field and 5+ years of experience in a related role, or a BS/MS in a quantitative field and 8+ years of experience in a related role
• Has created, deployed, and managed supervised learning models in a production environment for high-impact applications
• Has direct experience hiring, coaching, and developing data scientists as their manager
• Has applied data science to credit risk, underwriting, or another long-horizon, regulated prediction problem, such as insurance
• Writes tested, reviewed, reproducible code, for data pipelines and model training alike, and works fluently in the Python data stack.
• Able to travel ~4-6+ times per year for high quality in-person collaboration, * Direct experience in consumer lending; credit card acquisitions, specifically
• Familiarity with Mission Lane’s broader ML tooling ecosystem, including Chalk, BentoML, or DVC
• Experience partnering directly with executive leadership on modeling strategy

Annual full-time starting base salary range: $184,000 - $219,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/dental/vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment., 6 Hours Ago In-Office or Remote 152K-213K Annually Expert/Leader 152K-213K Annually Expert/Leader Artificial Intelligence * Fintech * Information Technology * Logistics * Payments * Business Intelligence * Generative AI Lead FP&A for global Value Services supporting Customer Success, Professional Services, Support, and related teams. Partner with the CCO, manage a team of three, own budgeting, forecasting, financial modeling, performance reporting, executive presentations, ad-hoc analysis, process improvements, headcount and spend controls to optimize margins and support strategic initiatives. Top Skills: AnaplanChatgptCopilotGeminiExcelPowerPoint

What you need to know about the Colorado Tech Scene

With a business-friendly climate and research universities like CU Boulder and Colorado State, Colorado has made a name for itself as a startup ecosystem. The state boasts a skilled workforce and high quality of life thanks to its affordable housing, vibrant cultural scene and unparalleled opportunities for outdoor recreation. Colorado is also home to the National Renewable Energy Laboratory, helping cement its status as a hub for renewable energy innovation.

Key Facts About Colorado Tech

• Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
• Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
• Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
• Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
• Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
• Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member.

Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [email protected].

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.