Experian · 4 days ago
Senior Data Scientist - Alternative Data & AFS Solutions (Non-Prime Lending)
United States
Full-time
Remote
Senior Level
$133K/yr - $240K/yr
5+ years expExperian is a global data and technology company, powering opportunities for people and businesses around the world. They are seeking an experienced Senior Data Scientist to join their Alternative Financial Services department, where the role involves designing custom analytics and machine-learning models for non-prime lending markets.
AnalyticsBig DataCyber SecurityFinTechFraud DetectionInformation Services
Responsibilities
Lead custom analytics and modeling engagements from scoping through delivery and ongoing support
Develop credit strategies and ML models (underwriting, line assignment, pricing, early warning, collections)
Engineer features from alternative, transactional, and bureau data (e.g., recency, frequency, volatility, trend, and behavioral metrics)
Evaluate and integrate third-party/alternative data sources (sub-prime bureaus, cash-flow, telco, utility, and specialty data)
Conduct segmentation, lift analysis, and champion/challenger testing to assess performance and incremental value
Develop custom scorecards, policy rules, and ML models aligned with each client's risk appetite and regulatory requirements
Partner with clients to build end-to-end credit strategies that balance approvals, losses, efficiency, and customer experience
Deliver clear, executive-ready insights, documentation, and strategy recommendations
Present results directly to risk leaders, analytics teams, and senior client partners
Support model implementation, monitoring, stability analysis, and ongoing optimization
Work cross-functionally with Product, Engineering, and Sales to align custom solutions with broader AFS capabilities
Contribute to AFS best practices, reusable frameworks, and internal accelerators for non-prime analytics
Qualification
Required
5+ years in credit risk analytics, data science, or advanced analytics, with experience in non‑prime or near‑prime lending
Hands‑on modeling experience using alternative data
Proficiency in Python (Pandas, NumPy, scikit‑learn, XGBoost/LightGBM) for feature engineering, modeling, and analysis
Advanced SQL experience working with complex, and imperfect datasets
Experience with non‑prime risk dynamics: thin‑file consumers, volatility, fraud risk, early‑default behavior
Experience with model evaluation (AUC, KS, lift, bad‑rate curves, stability, PSI)
Work directly with clients and translate analytics into deployable strategies
Explain complex models in clear business terms
Background in financial services, alternative lending, FinTech, or specialty finance
Experience with AFS data sources (Clarity, FactorTrust, MicroBilt, cash‑flow or specialty bureaus)
Familiarity with model governance, explainability, and regulatory considerations in non‑prime lending
Experience deploying or supporting ML models in production environments
Exposure to fraud, identity, or first‑payment‑default (FPD) modeling
Experience mentoring junior data scientists or analysts
Consult, client delivery, or solution‑oriented project experience
Benefits
DEI
Work/life balance
Development
Authenticity
Collaboration
Wellness
Reward & recognition
Volunteering
Company
Experian
Experian is a data analytics and consumer credit reporting company.
10001+ employees
H1B Sponsorship
Experian has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (8)
2024 (18)
2023 (9)
2022 (16)
2021 (19)
2020 (23)
Funding
Current Stage
Public CompanyTotal Funding
$1.31MKey Investors
Fair4All Finance
2025-11-25Grant· $1.31M
2006-10-11IPO
Leadership Team
Brian Cassin
Chief Executive Officer
Chris Fletcher
CPO / SVP Cloud & Decisioning Software
Recent News
2026-01-09
2026-01-08
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