Data Scientist - Credit

Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.We offer top-tier benefits and growth opportunities in a culture built on our core values:
Put People First – We foster an inclusive, flexible, and fun workplace.Create Clarity – Open communication drives trust and results.Get Things Done – We focus, prioritize, and deliver with excellence.Deliver with Heart – We lead with kindness, humility, and strong teamwork.Listen to Our Customers – Their needs drive our innovation. Barclays has entered into an agreement to acquire Best Egg with closing expected to take place in Q2 2026. This acquisition will give us the resources and capital to continue on our mission and drive our strategy forward. With an aligned culture, lower cost of funds, and increased employee growth opportunities across a global brand, we are excited about the future of the Best Egg brand under the Barclays umbrella.We are looking for collaborative, innovative team players who like to solve problems. There will also be immense opportunities for those willing to dive in. If you're inspired by growth and want to make a real difference, Best Egg is the place for you.
 We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.
About the Role
This role is central to our credit decisioning strategy. You’ll help build and improve the models that power underwriting, credit risk assessment, and early delinquency prediction. Your work will shape who we approve, how we price, and how we support customers throughout their financial journey.
This role is a great fit for data scientists who enjoy modeling, analytics, and problem-solving — and who want to see their work directly influence business decisions.

Duties & Responsibilities

• Build and enhance credit risk ML models that improve predictability and customer outcomes.
• Explore large datasets to uncover trends, identify key credit drivers, and generate insights that inform model design.
• Support the full modeling lifecycle: data preparation, feature engineering, model development, evaluation, deployment, and clear documentation of results.
• Run structured experiments and challenger models to test new ideas and improve performance.
• Translate analytical findings into recommendations for Credit Strategy, Pricing, and other business partners.
• Help monitor production model performance, including stability metrics, drift detection, and performance diagnostics.
• Contribute to audit-ready documentation and support model validation and governance processes.
• Leverage modern AI and data tools to improve your workflow, enhance modeling velocity, and elevate best practices across the team.
• Work cross-functionally to ensure models are explainable, transparent, and aligned with business goals and regulatory expectations.

Requirements

• Bachelor’s degree in a quantitative field (Statistics, Mathematics, Computer Science, Economics, Data Science, Engineering, etc.).
• 1–3+ years of experience developing predictive models or performing advanced analytics (internships and co-ops count).
• Strong understanding of statistical modeling and machine learning fundamentals.
• Proficiency in Python (e.g., pandas, numpy, scikit-learn) and SQL.
• Experience working with large datasets and building models end-to-end.
• Ability to clearly communicate analytical findings to both technical and non-technical audiences.
• Demonstrated ownership, curiosity, and ability to deliver high-quality results.

Nice to Have

• Experience in credit risk, lending, or financial services modeling.
• Exposure to cloud environments or modern data tooling.
• Familiarity with model monitoring, validation, or model governance concepts.
• Experience collaborating with cross-functional teams.
• Interest in using generative AI tools (e.g., ChatGPT, Claude, Gemini) to accelerate modeling and analysis.

Employee BenefitsBest Egg offers many additional benefits for our employees, including (but not limited to):·       Pre-tax and post-tax retirement savings plans with a competitive company matching program·       Generous paid time-off plans including vacation, personal/sick time, paid short-- term and long-term disability leaves, paid parental leave, and paid company holidays ·       Multiple health care plans to choose from, including dental and vision options·       Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursem