Senior Data Scientist - Credit Strategy

At Earnest, we empower determined individuals to make informed financial choices and create the future they desire.The Earnest team is dedicated to guiding borrowers towards a confident financial journey by providing smarter loan options and a clearer understanding of debt management. If you share our passion for this mission, we invite you to learn more and join us in building something exceptional.The Role of Senior Credit Strategy AnalystYou will report directly to the Senior Credit Risk Manager for Personal Loans. In this role, you will:Lead the comprehensive implementation of credit and fraud policies across all Earnest product lines, ensuring precise testing, deployment, and validation to align with policy objectives.Enhance and refine credit underwriting and fraud prevention strategies for personal loans, focusing on the balance between growth, risk, and customer experience.Evaluate portfolio performance and analyze approval funnels and fraud trends to uncover opportunities for strategy improvement and loss reduction.Create, test, and implement decision rules, segmentation strategies, and policy modifications using data-driven experimentation techniques.Collaborate cross-functionally with Product, Data Science, Compliance, and Operations to ensure the effective execution and monitoring of strategies.Develop dashboards, reporting systems, and monitoring frameworks to track essential credit and fraud KPIs, including approval rates, losses, and fraud rates.Support governance of models and strategies through documentation, controls, and performance assessments.

About Us:At Formic, we are committed to transforming American manufacturing by making automation accessible to all factories. As labor shortages, rising costs, and global competition become more pressing, automation is essential for manufacturers seeking to thrive in today's market.Our innovative Robotics-as-a-Service model integrates industrial robotics, proprietary software, and comprehensive support, offering a seamless solution that dismantles the traditional barriers of cost, complexity, and risk. This empowers manufacturers to implement automation swiftly, achieving significant improvements in throughput, safety, and operational efficiency without the burden of substantial upfront investments.Supported by prominent investors such as Lux Capital, Initialized Capital, Blackhorn Ventures, and Mitsubishi HC Capital North America, Formic is rapidly expanding, laying the groundwork for a new era of high-performance, American-made production.Join Our Team:The Formic Credit Team plays a critical role in driving responsible growth by evaluating customer risk and structuring commercial terms that facilitate scalable automation solutions. This team collaborates across departments to assess exposure, protect our capital, and uphold disciplined underwriting standards as we extend our reach nationwide. By balancing rigorous risk management with commercial agility, we ensure that Formic can grow confidently while maintaining a robust portfolio performance.Your Role:As a Senior Credit Analyst, you will spearhead the underwriting processes for small to mid-sized manufacturing clients. Your responsibilities will include assessing financial health, evaluating risks, and proposing commercial structures that align customer opportunities with Formic’s capital strategy. This position requires strong analytical skills, sound judgment, and the capacity to work independently while closely collaborating with Sales and cross-functional teams to facilitate deal execution without compromising our credit discipline.

SoFi is hiring a Senior Data Scientist to focus on Credit Strategy. This position centers on using analytical expertise to support data-driven decisions that impact both customer experience and business goals. Role overview The Senior Data Scientist works closely with teams across the company to create, refine, and improve credit strategies. Collaboration is key, as the role involves partnering with colleagues from different areas to ensure credit solutions align with SoFi’s objectives. What you will do Design and implement credit strategies that support business outcomes Collaborate with cross-functional teams to optimize credit processes Apply advanced modeling and machine learning techniques to uncover insights Use data analysis to inform and guide strategic initiatives Requirements Strong analytical skills and experience with data-driven problem solving Background in advanced modeling techniques and machine learning Ability to work effectively with teams from multiple disciplines

Role Overview Mercury is looking for a Senior Credit Operations Analyst focused on Loan Operations. This role centers on analyzing credit operations, maintaining efficient processes, and supporting strong performance across lending activities. What You Will Do Review and analyze credit operations to identify areas for improvement Work closely with teams across the company to strengthen lending processes Provide operational insights that inform strategic decisions Help ensure loan operations run smoothly and efficiently Location This position can be based in San Francisco, CA, New York, NY, Portland, OR, or remote within Canada or the United States.

COMPANY OVERVIEWKKR is a premier global investment firm renowned for its expertise in alternative asset management, capital markets, and insurance solutions. Our mission is to deliver exceptional investment returns through a disciplined approach, leveraging world-class talent, and fostering growth within our portfolio companies and the communities we serve. KKR sponsors investment funds focused on private equity, credit, and real assets, while also partnering with hedge fund managers. Our insurance subsidiaries provide retirement, life, and reinsurance solutions managed by Global Atlantic Financial Group. Please note that references to KKR’s investments may encompass activities of our sponsored funds and insurance subsidiaries.TEAM OVERVIEWWithin KKR, the Leveraged Credit platform employs a fundamental, bottom-up research methodology to manage and invest over $45 billion across diverse asset classes and return profiles. Our team is involved in all facets of the investment process, including idea generation, thorough research and due diligence, financial modeling, and delivering presentations to the Investment Committee. Additionally, we actively collaborate with KKR’s Private Credit platform, KKR Capital Markets, and KKR Private Equity to exchange insights and industry diligence.POSITION SUMMARYWe are seeking enthusiastic and motivated candidates for our Leveraged Credit team in San Francisco. Ideal candidates will possess 0-4 years of experience in asset management, investment banking, equity/credit research, or a related field, along with a genuine passion for investing and a solid comprehension of fundamental business analysis.Successful individuals will engage in a variety of responsibilities, including:• Analyzing industry trends and pinpointing investment themes• Contributing to essential diligence workstreams• Conducting business analysis across a wide range of companies and industries• Developing financial models• Identifying relative value and analyzing securities throughout the capital structure• Evaluating deal terms and covenant structuresCRITICAL COMPETENCIES FOR SUCCESS• Strong technical skills with proven investment instincts, analytical capabilities, and proficiency in finance, accounting, and modeling• Demonstrated experience in financial reporting, creation of investor materials, and analysis of performance trends and KPIs• Motivation and a proactive approach to learning and development.

The CompanyAt EV Realty, we are at the forefront of revolutionizing commercial fleet electrification by constructing essential infrastructure, one innovative charging hub at a time.We design, own, and operate specialized EV charging hubs that address a crucial challenge in fleet electrification: providing access to dependable, cost-effective, and scalable grid power. Our Powered Properties® are strategically positioned to meet fleet customers' needs, delivering secure and dedicated charging solutions precisely where and when they are required. Our focus is on building with reliability and scalability, ensuring that we provide the necessary infrastructure for mission-critical commercial fleets to operate efficiently.We uphold values of transparency, accountability, and a commitment to building quality solutions for our clients and our team. If you are passionate about contributing to the transformative era of commercial transportation, we would be thrilled to connect with you.The Role: As a Strategy & Operations Analyst at EV Realty, you will engage in high-impact projects, guiding them from strategic inception to execution while making a meaningful difference across the organization. You will play a vital role in shaping the scalability of our platform designed for the future of commercial fleets.This role demands a proactive approach in a fast-paced growth environment. You will tackle ambiguous challenges, create structured solutions, and translate your insights into actionable recommendations that influence key decisions. Collaborating closely with teams across Business Development, Finance, Product, Operations, and Data Science, your contributions will extend beyond mere presentations; they will directly impact the company's strategic growth. One day you may be crafting a strategic alliance to enhance EV Realty's offering to a national logistics provider; the next day, you could be assessing the long-term potential for autonomous fleet charging in a new market. You will gain firsthand insight into the strategic and operational considerations of a company in rapid growth.The ideal candidate is organized, intellectually curious, and thrives in uncertain environments. You find energy in complexity and possess the drive to navigate challenges to successful conclusions.

COMPANY OVERVIEWKKR is a premier global investment firm specializing in alternative asset management, capital markets, and insurance solutions. With a focus on generating attractive investment returns, KKR adheres to a patient and disciplined investment strategy while nurturing growth in its portfolio companies and communities. The firm sponsors investment funds that engage in private equity, credit, and real assets, and partners strategically with hedge fund managers. Additionally, KKR’s insurance subsidiaries provide retirement, life, and reinsurance products under the management of Global Atlantic Financial Group. Please note that references to KKR’s investments may include activities conducted by its sponsored funds and insurance subsidiaries.TEAM OVERVIEWEstablished in 2004, KKR Credit manages over $240 billion in assets and employs around 230 investment professionals. The Structured Credit team, part of the Leveraged Credit division, oversees more than $100 billion in assets under management, supported by a dedicated team of 50+ investment experts. For more information about KKR Credit, please visit https://www.kkr.com/businesses/credit.POSITION SUMMARYKKR is on the lookout for a dynamic Investment Analyst/Associate to join its Structured Credit Portfolio Management team in San Francisco. The successful candidate should possess 1-4 years of relevant experience and will be tasked with a range of responsibilities, including:• Recommending trades based on relative value or portfolio enhancement metrics, and presenting trade ideas and market updates to the investment committee.• Monitoring the performance of CLO portfolios and enhancing the internal analytical infrastructure that supports portfolio management.• Collaborating with traders, legal teams, and middle office personnel to ensure compliance with investment guidelines.• Conducting research on thematic topics in the structured credit and ABS sectors.• Executing pre-trade compliance checks and allocating trades according to portfolio guidelines.• Supporting the assessment of credit risk across various portfolios.• Coordinating with the research team to remain informed on sector news, earnings, and fundamental developments.• Addressing investor inquiries or ad-hoc requests from portfolio managers.

Join our innovative team at Cardless as a Credit Risk Strategy Manager/Senior Manager, where you will play a crucial role in shaping our credit risk strategies. In this position, you will be responsible for analyzing data, developing risk models, and implementing strategies that ensure sustainable growth while maintaining a robust risk framework.

COMPANY OVERVIEWKKR is a premier global investment firm specializing in alternative asset management, capital markets, and insurance solutions. Our mission is to deliver attractive investment returns through a disciplined and patient approach, leveraging exceptional talent and fostering growth in our portfolio companies and communities. KKR sponsors investment funds across private equity, credit, and real assets, alongside strategic partners managing hedge funds. Our insurance subsidiaries, managed by Global Atlantic Financial Group, offer an array of retirement, life, and reinsurance products.TEAM OVERVIEWFounded in 2011, KKR Real Estate boasts a dedicated team that harnesses KKR's global investment platform to generate unique deal flow and compelling risk-adjusted returns for our investors. As a global solutions provider across the real estate capital structure, we focus on opportunities that span property-level equity, debt, special situations transactions, and businesses with substantial real estate holdings benefiting from KKR’s operational expertise. Our primary goal is to leverage the KKR brand, industry relationships, and proprietary knowledge, combined with our team's real estate expertise, to create differentiated investment opportunities for our stakeholders.In January 2025, KKR unified its Real Estate, Infrastructure, and Energy Real Assets businesses into a singular Real Assets platform, led globally by Raj Agrawal and Ralph Rosenberg. This platform manages over $179 billion in assets and comprises around 260 investment professionals as of June 30, 2025.KKR Real Estate CreditEstablished in 2015, KKR Real Estate Credit focuses on investing in real estate credit products, complementing our private equity platforms in the U.S. and Western Europe. Our integrated real estate credit business invests in loans and securities across the risk spectrum, from core to opportunistic. As of October 7, 2025, KKR Real Estate Credit boasts approximately $43.7 billion in assets under management and primarily invests through six main pools of capital.Our investment philosophy is rooted in KKR's four-decade legacy of long-term fundamental investing, emphasizing value creation and generating attractive risk-adjusted returns.

At Plaid, we envision a future where financial interactions become seamless and empowering. Our mission is to facilitate this transformation by creating innovative tools and experiences utilized by thousands of developers in crafting their own products. Plaid is the backbone of financial tools that millions trust to enhance their financial well-being. We partner with leading companies like Venmo, SoFi, numerous Fortune 500 firms, and some of the largest banks, ensuring users can effortlessly link their financial accounts to their favorite apps and services. With a network encompassing 12,000 financial institutions across the US, Canada, the UK, and Europe, Plaid, founded in 2013, is headquartered in San Francisco, with additional offices in New York, Washington D.C., London, and Amsterdam.Our dynamic team lays the groundwork for Plaid's marketing and new business functions to thrive. We strive for operational excellence while crafting and executing top-of-funnel strategies that resonate with our target demographics. Our focus is on empowering marketing and business development teams to implement strategies that foster sustainable growth and long-term success. We are dedicated to building a robust, operationally efficient growth engine that supports Plaid’s customer acquisition and expansion efforts.As a Marketing Strategy and Operations Analyst, you will play a pivotal role in guiding decision-making across our Marketing and New Business teams. You will lead strategic analyses, performance assessments, and forecasting initiatives, serving as a trusted advisor to leadership by providing insights that inform investment, planning, and optimization across channels. Your expertise in full-funnel performance metrics combined with your business acumen will enable you to transform raw data into actionable strategic insights. This is an engaging, problem-solving position aimed at continually enhancing analytics and processes, adapting performance measurement to meet the evolving demands of a growing organization.

Role Overview Aurora Innovation is hiring a Senior Data Analyst, Workforce Strategy, based in San Francisco, California. This role focuses on using data to inform and guide workforce planning and talent initiatives. The position supports decisions that help attract, retain, and develop employees across the organization. What You Will Do Analyze workforce data to identify trends and opportunities for improvement Create clear visualizations and reports that inform talent strategies Present complex data insights to stakeholders in a way that supports decision-making Collaborate with teams to turn data findings into actionable plans that enhance employee experience and organizational outcomes What We Look For Strong analytical skills and experience working with large data sets Proficiency with statistical tools and data visualization platforms Ability to communicate technical findings to both technical and non-technical audiences Experience in workforce analytics or talent strategy is a plus

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are revolutionizing how individuals engage with personal finance. We are a forward-thinking financial services company and national bank leveraging cutting-edge, mobile-first technology to empower our millions of members in achieving their financial aspirations. As the industry undergoes unprecedented changes, we proudly stand at the forefront, fully aware that our contributions directly impact lives. Our core values guide us through every endeavor. Join us to invest in your future, your career, and the financial landscape.The Team:The Credit Team at SoFi is responsible for managing credit risk across our diverse lending products (including Student Loan Refinance, Private Student Loans, Personal Loans, Credit Cards, and Mortgages). This team develops innovative, data-driven credit strategies and policies for new account origination and portfolio management, alongside collections and recovery strategies. We ensure that our lending growth aligns with the company's risk appetite while focusing on our members' best interests.As a Senior Credit Manager, you will analyze and evaluate data to create and propose effective credit risk strategies and models for SoFi’s lending products, initially focusing on Personal Loans, but with opportunities to contribute to other products as well.Your key responsibilities will include independently developing and implementing Personal Loan underwriting strategies that align with our risk appetite, monitoring risk trends within the portfolio, and offering insights for strategy enhancements. You will collaborate with cross-functional teams, leveraging your business acumen, credit experience, and analytical skills to drive revenue, mitigate risk, and add value to both the company and our members.

Role Overview slash-financial is looking for a Head of Credit to guide lending strategy and support company growth from our San Francisco office. This leadership role manages the credit department, sets direction for risk assessment, and maintains regulatory compliance. The Head of Credit also helps build a culture that encourages new ideas and continuous improvement.

Anthropic is seeking a Senior Manager to guide its Accounts Receivable, Credit, and Collections functions. This leadership role is available in San Francisco, New York City, or Seattle. The position centers on overseeing daily operations, maintaining effective processes, and managing risk within the receivables cycle. Main responsibilities Direct all activities related to accounts receivable, credit, and collections Create and refine policies to support healthy cash flow and limit bad debt Assess credit risk regularly and adjust approaches as needed Lead, mentor, and develop a team of finance professionals Foster a culture focused on strong performance and ongoing improvement Location This position is open to candidates in San Francisco, CA, New York City, NY, and Seattle, WA.

Join Cloudflare as a Senior Growth Analyst, where you will play a pivotal role in analyzing data and driving strategic initiatives to fuel our growth in the competitive web services market. Your analytical prowess and insights will directly impact our product development and marketing strategies.

Join Mercury as a Lead of Consumer Credit specializing in Cards, where you will play a pivotal role in shaping our credit offerings and customer experience. We are seeking a dynamic and strategic thinker who is passionate about consumer finance and has a track record of driving innovation in credit products.

Revolutionize Customer Engagement in BankingAt Prelim, we are transforming how financial institutions onboard and engage with their customers. Our innovative platform facilitates essential banking operations for a diverse range of institutions globally, from community banks to large-scale financial organizations. As a rapidly expanding remote-first startup, we are committed to making banking services more inclusive and accessible for all.Your Role in Our MissionWe are seeking a dedicated Client Strategy Analyst to enhance the success of our growing portfolio of banking clients. In this pivotal role, you will serve as a trusted advisor to financial institutions post-launch, ensuring they effectively operate, troubleshoot, and scale their use of the Prelim platform.This position exists at the crossroads of customer success, problem-solving, and internal collaboration. You will engage closely with bank stakeholders, alongside Prelim’s product, engineering, and sales teams.Your ResponsibilitiesOversee a portfolio of banking clients as their trusted partner following their go-live phase.Conduct regular check-ins and foster strong relationships with stakeholders, ranging from operations staff to executives.Create and maintain customer workflows and configurations that align with each bank's goals.Address support escalations, troubleshoot platform issues, and make real-time adjustments during live calls.Collaborate closely with product and engineering teams to investigate bugs, advocate for customer needs, and relay resolution timelines.Manage the flow of support tickets to ensure timely resolution of customer inquiries.Educate and empower bank employees on platform capabilities and best practices during and after implementation.Assist with strategic implementations during resource constraints, providing support in configuration and project management.Analyze, synthesize, and communicate product updates to customers effectively.Navigate complex customer relationships and de-escalate high-pressure situations while safeguarding team interests.Your QualificationsOutstanding customer-facing skills with the ability to manage multiple stakeholders successfully.Robust analytical skills and a methodical approach to problem diagnosis and resolution.Effective communication skills, both verbal and written, to convey complex information clearly.Experience in customer success, account management, or related fields is a plus.A passion for technology and its application in customer experience improvement.

PagerDuty (NYSE:PD) stands at the forefront of Digital Operations Management, empowering organizations to deliver flawless digital experiences that delight their customers. In a world that never sleeps, businesses of all sizes depend on PagerDuty to swiftly identify challenges and seize opportunities, assembling the right teams to resolve issues quickly while preventing future occurrences. With over 13,000 clients, including 60 of the Fortune 100, PagerDuty is a trusted partner for Digital Transformation, Cloud Migration, and DevOps Modernization. Renowned clients such as GE, Cisco, Genentech, Electronic Arts, Cox Automotive, Netflix, Shopify, Zoom, DoorDash, and Lululemon highlight our diverse portfolio. As we rapidly evolve our platform utilizing AI/ML and Automation, we are increasing our engagement across Development, IT, Customer Service, Security, and more.As the Senior Director of Corporate Strategy, you will play a pivotal role as a strategic ally to the CEO and the executive leadership team. Your primary focus will be on analyzing market dynamics, spearheading strategic initiatives, and influencing PagerDuty's growth trajectory in the realms of digital operations management and AI-driven enterprise software.In this position, reporting to the VP of Strategy and Corporate Development, you will be at the forefront of identifying opportunities, synthesizing insights, and providing actionable recommendations that foster measurable business success throughout the organization.This role demands profound expertise in enterprise software, DevOps, and AI strategy, complemented by a capacity to transition swiftly from ambiguous challenges to clear, data-supported recommendations.You will collaborate closely with senior executives across product, engineering, finance, sales, and marketing to ensure strategic coherence and translate corporate strategy into actionable plans with defined ownership and accountability.**This role requires in-office attendance in San Francisco two days per week as part of PagerDuty’s hybrid work model, allowing you to thrive in your new position and fully embrace the Dutonian culture!**

Join Our TeamBe a part of Unity’s Financial Planning and Analysis (FP&A) team, where you will act as a vital advisor to various business segments, delivering insightful analyses and strategic support. Collaborate with finance and accounting professionals at all organizational levels to drive financial planning, reporting, and operational enhancements. This role is ideal for someone with a keen analytical mind, a passion for problem-solving, and a strong drive for excellence.Key ResponsibilitiesAct as a financial partner to leaders across Sales, eCommerce, and Marketing teams.Oversee the comprehensive forecasting, planning, closing, and budgeting activities for revenue, staffing, and operational costs.Track and report on essential GTM Key Performance Indicators (KPIs) like Annual Recurring Revenue (ARR), Average Contract Value (ACV), and active user seats; provide actionable insights to stakeholders.Collaborate with Data and Business Intelligence teams to identify reporting gaps and enhance dashboard functionalities.Develop presentation materials for executive-level business reviews.