Your role in our mission

Prosper is seeking a Data Scientist for the Data Science team under our Credit Risk Analytics vertical. You will become a core contributor with machine learning expertise on the credit risk team and deliver results that directly impact our business.

How you'll make an impact

Build industry-leading machine learning models for managing credit and fraud risks
Leverage multiple complex data sources such as credit bureau reports and customer supplied information at large scale to optimize approve/decline and credit line assignment decisions
Collaborate with engineers to deploy your models into a production environment
Propose and execute solutions to various problems within business constraints
Use responsible AI technique following regulatory requirements and lending best practices
Help the team with developing tools and workflow solutions to increase data science productivity
Actively monitor the credit risk models in production
Extract the most value out of data to significantly impact our key business metrics
Assess the potential usefulness and validity of machine learning algorithms and features through various data sources
Conduct ad-hoc analysis related to risk management, investor services, operations and corporate development

Skills that will help you thrive

3 - 6 years of work experience in fintech, finance, or other high impact fields applying statistical and machine learning predictive techniques (educational experience taken into consideration). Consumer lending experience in unsecured personal loan or credit card is a plus
Advanced degree (M.S./PhD) preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field
Expert knowledge in one of the statistical programming languages such as Python, and database languages such as SQL
Solid understanding of coding best practices and model documentation
Strong communication skills – ability to clearly and succinctly communicate technical subject matter to other team members and senior management
Strong interpersonal skills – collaborate with people across functions and develop strong relationships
Ability to work unsupervised in fast-paced environment and prioritize among parallel projects
Ability to think within regulatory guidelines with a mindset toward reproducible research
Self-motivated, results-oriented, enthusiastic, and a creative thinker

What we offer

The opportunity to collaborate with a team of creative, fun, and driven colleagues on products that have an immediate and significant impact on people's lives.
The opportunity to work in a fast-paced environment with experienced industry leaders.
Flexible time off, comprehensive health coverage, competitive salary, paid parental leave, and other wellness benefits.
A bevy of other perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and additional discounts through Perkspot.
The ability to work remotely in the United States.

Interview process

Recruiter Call: A brief screening to discuss your experience and initial questions.
Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member.
Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercises.
Final Round: Discussion with a department head/executive.

About Us

Founded in 2005 as the first peer-to-peer marketplace lending platform in the U.S., Prosper was built on a simple idea: connect people who want to borrow money with those who want to invest. Since inception, Prosper has helped more than 2 million people gain access to affordable credit with over $28 billion in loans originated through its platform. Our mission is to help our customers advance their financial well-being through a variety of products. Our diverse culture rewards accountability and cross functional teamwork because we believe this encourages innovative thinking and helps us deliver on our mission.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!

Our Values

Diversity expands opportunities
Collaboration creates better solutions
Curiosity fuels our innovation
Integrity defines all our relationships
Excellence leads to longevity
Simplicity guides our user experience
Accountability at all levels drives results