Data Scientist (Credit Risk)

About RiskSeal

RiskSeal is a B2B startup serving fintech clients globally. Our API-first credit risk management platform enables digital banks and consumer lenders to simplify onboarding through data-driven insights.

We are growing rapidly and value collaboration with passionate, creative professionals. Join us to innovate, contribute your expertise, and grow alongside our team.

Headquarters: Dallas, Texas, USA

European Office: Warsaw, Poland

Job Description

We are looking for a motivated Data Scientist to join our team in a fully remote role. The ideal candidate has experience in credit risk modelling, strong Python and SQL skills, as well as hands-on experience with scoring models. You will build and optimize advanced credit risk and anti-fraud models by leveraging machine learning, anomaly detection, and alternative data alongside traditional scoring. Working with client data, you will translate complex algorithmic outputs into clear, actionable insights for clients, partners, and internal teams.

What we're looking for:

• 2+ years of experience in credit risk modelling.
• Solid knowledge of classical methods (logistic regression, decision trees, scorecards) and ML (boosting, random forests, neural networks).
• Strong Python and SQL skills.
• Background in a bank, fintech, or data vendor environment.
• Experience with PD modelling, scoring, and portfolio performance metrics.
• Comfortable working end-to-end: from raw data to a validated, production-ready output.
• Able to present findings clearly to non-technical audiences, including clients and business partners.
• Upper-Intermediate English level or higher.

What you'll be doing:

• Build, test, validate, and implement predictive credit risk, scoring, and anti-fraud models.
• Analyze complex client data and alternative data streams to uncover hidden insights and deliver data-driven recommendations that guide strategic decisions.
• Continuously monitor and audit model performance (tracking drift, Gini, and PSI) to ensure long-term stability and accuracy.
• Design and experiment with new data attributes, leveraging digital footprint and transactional data to improve model predictability.
• Present analytical findings, model performance reports, and innovative ideas directly to clients, partners, and internal teams.
• Conceptualize new analytical products, scorecards, and advanced data solutions to expand RiskSeal's product offering.
• Partner closely with business, product, and tech teams to deploy models and seamlessly turn data insights into scalable, real-world value.

Nice to Have

• Experience working with alternative data sources.
• Knowledge of model governance and validation frameworks.
• Experience presenting analytical solutions directly to clients.
• Exposure to fintech products, digital lending, or embedded finance.

What We Offer

● A fully remote, full-time role in a growing product fintech company
● A fast-paced environment with minimal bureaucracy and quick decision-making
● The opportunity to work on credit risk models, scoring solutions, and real client data
● Direct collaboration with business, product, and tech teams
● The chance to contribute to analytical products that create real value for clients
● Competitive compensation and opportunities for professional growth