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Salary: USD 223,560 - 245,916 / annual
SoFi Bank N.A. is seeking a Staff Data Scientist to drive machine learning innovation across credit underwriting and risk management. In this role, you will identify opportunities and collaborate cross-functionally to develop, implement, and continuously improve machine learning models and strategies that support credit underwriting decisions. You'll evaluate alternative data sources and external vendor solutions through proof-of-concept projects, demonstrating business value and feasibility.
Key responsibilities include exploring and leveraging in-house, external, and open-source machine learning software and algorithms to solve complex business problems. You will contribute to enhancing SoFi's risk model development codebase by developing customized Python scripts and packages. Collaboration with the Model Risk Management and Fair Lending teams is essential to ensure models meet rigorous development standards, regulatory requirements, and fair lending compliance.
You will spearhead model deployment by working with cross-functional teams including Credit, Product, Engineering, and Business Units. You'll present model performance metrics and insights to senior leadership across Credit, Risk, and Business functions.
Required qualifications include a Master's degree in Statistics, Data Science, or related quantitative discipline with 5+ years of experience in machine learning and statistical modeling, or a Bachelor's degree with 7+ years of relevant experience. You must have expertise in supervised and unsupervised learning, Python programming, SQL/NoSQL databases, and Hive. Statistical inference, full model development lifecycle on modern cloud platforms, and experience with unsecured loan credit underwriting are essential. Familiarity with credit bureau data (Experian, TransUnion, Equifax) and model implementation including CI/CD pipelines and production deployment is required.
Full-time telecommuting is available as an option. This is a hybrid role based in San Francisco, CA.
