Data Scientist, Risk

Ever wondered how top brands build deep loyalty and drive explosive growth with smarter financial products? At Imprint, we're not just reimagining co-branded credit cards; we're building the future of payments and customer relationships. As our next Data Scientist, Risk, you'll be at the very heart of this innovation, crafting the intelligent systems that protect our platform and empower our growth globally. If you thrive on complex data challenges and want to make a tangible impact in a fast-paced fintech environment, this fully remote, worldwide opportunity could be your next big move.

Overview

Imprint is revolutionizing how the world's best brands deepen customer loyalty and unlock significant growth. We began by reinventing co-branded credit cards, making them smarter, more rewarding, and truly brand-centric. Our partners include industry leaders like Crate & Barrel, Rakuten, Booking.com, H-E-B, Fetch, and Shell. Together, we launch modern credit programs that foster loyalty, generate savings, and accelerate business growth. But our vision extends beyond the card. We integrate advanced payments infrastructure, intelligent underwriting, and rich customer data to create delightful, personalized experiences for members and efficient, profitable partnerships for our brands. Our robust technology and world-class operations empower us and our partners to offer powerful financial products without the complexities of traditional banking. The U.S. co-branded card market alone sees over $300 billion in annual spend, with much of it still reliant on outdated, legacy systems. Imprint offers the modern alternative: flexible, embeddable, and designed for today's payment landscape. Backed by leading investors such as Kleiner Perkins, Thrive Capital, Ribbit, and Khosla Ventures, we are assembling a world-class team to redefine payments and brand growth. This role is a fully remote position, open to candidates worldwide.

Key Responsibilities

Develop and Deploy Models: Design, build, and implement machine learning models and analytical tools for credit risk, fraud detection, and underwriting strategies across our diverse product offerings.
Analyze and Strategize: Conduct deep dive analyses into large, complex datasets to identify trends, patterns, and risks, translating findings into actionable insights for strategic decision-making.
Monitor and Optimize: Continuously monitor the performance of risk models and strategies, identifying opportunities for refinement and optimization to enhance accuracy, efficiency, and compliance.
Collaborate Cross-Functionally: Partner closely with product, engineering, operations, and compliance teams to integrate risk insights and models seamlessly into our platform and processes.
Drive Innovation: Research and evaluate new data sources, analytical techniques, and industry best practices to keep Imprint at the forefront of financial risk management.
Communicate Complexities: Clearly articulate complex analytical concepts and results to both technical and non-technical stakeholders, fostering a data-driven culture.

Requirements

Experience: A minimum of 3 years of professional experience as a Data Scientist, specifically within risk management, fraud, or underwriting in the fintech or financial services industry.
Technical Proficiency: Strong programming skills in Python or R for data analysis and model development.
Database Expertise: Advanced proficiency in SQL for data extraction and manipulation.
Machine Learning: Hands-on experience with various machine learning algorithms and techniques for classification, regression, and anomaly detection.
Statistical Foundation: Solid understanding of statistical modeling, experimental design, and hypothesis testing.
Problem Solving: Demonstrated ability to tackle ambiguous problems, design solutions, and drive projects from conception to completion.
Communication: Excellent written and verbal communication skills, with the ability to present technical information to a diverse audience.
Education: Bachelor's or Master's degree in a quantitative field such as Statistics, Mathematics, Computer Science, Economics, or a related discipline.

What You'll Gain

Impactful Work: Play a pivotal role in shaping the risk landscape of a rapidly growing fintech company, directly influencing product strategy and business success.
Growth Opportunities: Thrive in an environment that encourages continuous learning, professional development, and career advancement within a dynamic team.
Cutting-Edge Technology: Work with modern data stacks, advanced machine learning tools, and a truly innovative product.
Collaborative Culture: Join a supportive, diverse, and brilliant team of professionals who are passionate about what they do.
Flexibility: Enjoy the freedom and work/life balance that comes with a fully remote, worldwide work environment.
Competitive Compensation: Receive a competitive salary package, comprehensive benefits, and equity in a well-funded, high-growth startup.