Director of Data Science, Credit Risk

Position Overview

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress.

About the Role

As a Director of Data Science, Credit Risk, you will lead a data science team and cross-functional projects to innovate and improve the machine learning models we rely on to make billions of dollars of efficient and accurate decisions and to enable financial progress for our customers.

Responsibilities

• Lead the design, development, and deployment of machine learning models to solve practical problems and help our business and customers reach their financial goals.
• Partner with business leaders and technical experts across the company to develop new data sources, improve our modeling methodology, and apply models with sound risk management.

Requirements

• Experience applying data science to credit risk management and is excited to build on a multi-billion-dollar portfolio that’s growing every day.
• Ability to make your team better every day by being clear about goals and the team’s purpose, executing through education, organization, and trust.
• Ability to grow members of your team by helping them identify their strengths and weaknesses, putting them in a position to succeed, and getting them the training and opportunities they need.
• Deep understanding of the field of data science and the ability to communicate a vision to your team on how the field can be applied to solve difficult, practical problems.
• Experience creating, deploying, and managing experiments and models in production systems. Ability to genuinely speak to practitioners about the fundamental principles and challenges required to be successful in applied work.
• Proficiency in solid fundamentals with software engineering (test-driven development, code review, refactoring) and the PyData stack (numpy, scikit-learn, pandas, etc.).

Bonus Points

• Experience solving problems in consumer lending or fintech.
• Interest in advancing the frontiers of credit underwriting through the creation of new data sources, causal inference, and neural networks.

Compensation and Benefits

Annual full-time base salary range: $185,000 - $226,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role.

Mission Lane offers a comprehensive benefits plan, which includes:

• Work: An engaging culture with access to training programs and advancement opportunities.
• Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match.
• Balance: Generous PTO, flexible schedules, a Calm App subscription, and more.
• A monthly wellness stipend.
• Disability coverage.
• Life insurance.
• A remote-friendly work environment.

About Mission Lane

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.