Senior Data Scientist, Credit

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we're enabling people to unlock real financial progress. Sound like a mission you can get behind?

We're looking for a Senior Data Scientist to build and improve the machine learning models behind Mission Lane's credit decisions.

The impact you'll make

Behind every "yes" from Mission Lane is a model that had to see past a credit score to the story behind it, the kind of story that doesn't fit neatly into three digits. You'll build and sharpen the models that read that signal right: accurate enough to trust, fair enough to stand behind, and sound enough to move our customers forward.

A lot of our applicants don't have years of clean credit history to lean on, so the standard score alone doesn't get you very far. That means you'll get to dig into the interesting work of figuring out what else predicts repayment.

Mission Lane is still young, but we've landed in an exciting, stable stretch of maturation, and you'll learn and grow right along with us.

As Senior Data Scientist you will

• Design, build, and deploy supervised learning models that power Mission Lane's credit decisions, from first experiment through production
• Partner with credit risk and portfolio teams to translate open business questions into modeling problems, and communicate the trade-offs between them
• Monitor models already in production, catching drift and validating performance so they keep doing what they were built to do
• Apply strong software engineering practices to your modeling work, including test-driven development, code review, and refactoring
• Explore new data sources and modeling approaches using Mission Lane's Python data stack.

Our core tech stack includes

Python and the Python data stack (numpy, polars, scikit-l