Staff Data Scientist, ML (Credit Risk)

About the Team + Role

The Credit Card business team's mission is to shape Robinhood’s vision in the credit and banking space by delivering smart, customer-focused financial solutions. We leverage cutting-edge analytical tools and diverse datasets to build deep understandings of consumer credit behaviors.

As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. These models will drive decisions ranging from approve/decline, line assignment at origination, and future credit limit increases. You will own the full lifecycle of model development from data prep, model building to model deployment.

This role is based in our Menlo Park, CA, or Washington, DC office(s), with in-person attendance expected at least 3 days per week.

What You'll Do

• Build credit risk models for customer acquisitions (credit approval and credit limit assignment) and customer management
• Collaborate with credit analysts and product managers to understand the business problem and deliver appropriate models to solve them
• Create rich datasets leveraging both traditional and non-traditional data sources; work on innovative tools to generate powerful features that boost models
• Deploy, maintain, and monitor models in production
• Communicate with senior stakeholders in credit, product, and engineering to deliver key results and findings

What You Bring

• 7+ years of experience in data science and credit modeling
• Strong proficiency in SQL and Python for data analysis and modeling
• Experience designing experiments and interpreting results to guide product decisions
• Domain knowledge and expertise in traditional credit data; experience with non-traditional credit data (such as cash flow) is a plus
• Clear communication skills with both technical and non-technical partners