Data Scientist, Risk

About the role

WHO WE ARE

Imprint helps the world's best brands grow the lifetime value of their customers. We started with co-branded credit cards and rebuilt them to be smarter, more rewarding, and brand-first. We partner with companies like Crate & Barrel, Rakuten, Booking.com http://Booking.com, H-E-B, Fetch, and Shell to launch modern credit programs that deepen loyalty, unlock savings, and drive growth. But the card is just the beginning. We combine advanced payments infrastructure, intelligent underwriting, and deep customer data to create delightful and personalized experiences for members as well as efficient and profitable relationships for our brand partners. Our robust technology and world-class operations allow us and our brand partners to offer powerful financial products without becoming a bank.

In the U.S., co-branded cards alone account for over $300 billion in annual spend, and most still run on decades-old legacy bank systems. Imprint is the modern alternative: flexible, embeddable, and built for how people actually pay today. Backed by Kleiner Perkins, Thrive Capital, Ribbit, and Khosla Ventures, we're building a world-class team to redefine how people pay and how brands grow. If you want to move fast, solve hard problems, and own real outcomes, we want to meet you.

ROLE SUMMARY

The Risk team at Imprint is responsible for making smarter, faster credit decisions that balance growth with responsible risk management. The team builds the models, policies, and analytical systems that power underwriting, fraud detection, and portfolio optimization across all of Imprint’s credit programs.

As a Data Scientist, Risk, you will own the modeling powering Imprint’s top-of-funnel credit decisioning—from application intake through approval—across every acquisition channel: direct affiliates (Credit Karma, NerdWallet), invitation-to-apply emails, direct mail, paid social, instant prescreens, and on-site applications. Your primary focus will be improving approval rates while maintaining credit quality: building better underwriting models, designing policy experiments, and uncovering segments where we can safely expand access to credit.

This role sits at the intersection of credit and acquisition strategy. You will partner directly with Credit Strategy, Product, Engineering, and Marketing to build targeting models for new channels, evaluate channel-level credit performance, and connect acquisition volume to downstream economics—approval rates, vintage loss forecasts, LTV, CAC, and contribution profit. Increasingly, that means building not just analyses but AI-powered systems that can autonomously monitor approval rate, channel performance, diagnose shifts, and recommend policy adjustments.

THE OPPORTUNITY

- Own and improve the full top-of-funnel credit decisioning pipeline: application scoring, policy rules, decline waterfalls, and approval rate optimization across direct affiliates, invitation-to-apply, direct mail, paid social, instant prescreens, and on-site applications