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# Lead Data Scientist

- **Company:** Pagaya Technologies Ltd.
- **Location:** United States (Remote available)
- **Experience:** Expert
- **Contract:** Permanent contract
- **Skills:** Artificial Intelligence, Data Analysis, Fraud Prevention and Detection, Python (Programming Language), Machine Learning, Agentic-AI, Build Management, Information Technology, Optimization Algorithms
- **Published:** November 7, 2026
- **Apply:** https://arc.dev/remote-jobs/j/redirect/px8fz70j59

## About the Role

* 8+ years of hands-on machine learning experience, particularly predictive modeling with tabular data.
 * B.Sc, M.Sc. or Ph.D. in Computer Science, Statistics, Mathematics, Engineering, Physics or a related quantitative field.
 * Strong Python and data science skills, deep foundations in applied statistics, and experience in mathematical optimization.
 * A track record of translating research into production systems and measurable business results.
 * Strong communication, collaboration and mentoring skills, with an independent, curious approach to problem-solving.

An Advantage

 * Experience in consumer credit or auto lending, fraud and verification, alternative data evaluation, AI agents, model explainability or fair lending.

## Description

Help shape the next generation of auto lending. As a Lead Data Scientist, you'll own strategic, hands-on research that improves credit decisions, loan offers and portfolio performance-and mentor researchers across the department.

You'll develop models and optimization algorithms that help lenders compete, find financing structures borrowers can close, and deliver compelling offers in the dealership marketplace. You'll also help build AI-powered research agents that accelerate experimentation and dis, * Advance credit models: Build and deploy predictive models using credit bureau, alternative and vehicle data.

 * Optimize loan offers: Balance pricing, terms, down payments, conversion and portfolio risk.
 * Improve underwriting: Evaluate data providers and develop models for fraud detection, income verification and reduced manual review.
 * Accelerate research with AI: Develop research agents for data exploration, experimentation and model diagnostics.
 * Lead research into production: Mentor data scientists, guide technical reviews and measure model impact after deployment.