Data Scientist - Credit & Risk

About the job

Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most. Over 1.4 billion people https://www.worldbank.org/en/topic/financialinclusion/overview lack access to credit. A vendor in Lagos earns cash daily but can't prove a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Most lending systems spend a lot to guess who will repay, and yet so many who are creditworthy still can’t get a loan.

We built an alternative called Credit. Since December 2024, it has issued over one million https://credit.cash/analytics unsecured loans using stablecoins. People from around the world have used these loans to pay for things like groceries, medicine, and transportation. Backed by $6.6 million https://writing.divine.inc/seed-round/ from Paradigm and Nascent, we're scaling a system that has already reached more than 900,000 unique borrowers. Help us take it to the next level.

About the role

We're looking for a data scientist to drive credit risk intelligence across Credit, our leading unsecured lending system. You'll own portfolio monitoring and reporting, research emerging risk trends, and transform borrower behavioral data into actionable guidance that shapes our credit strategy and roadmap.