Data Scientist – Credit

Job Description

Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.

We offer top-tier benefits and growth opportunities in a culture built on our core values:

Put People First – We foster an inclusive, flexible, and fun workplace.

Create Clarity – Open communication drives trust and results.

Get Things Done – We focus, prioritize, and deliver with excellence.

Deliver with Heart – We lead with kindness, humility, and strong teamwork.

Listen to Our Customers – Their needs drive our innovation.

Barclays has entered into an agreement to acquire Best Egg with closing expected to take place in Q2 2026. This acquisition will give us the resources and capital to continue on our mission and drive our strategy forward. With an aligned culture, lower cost of funds, and increased employee growth opportunities across a global brand, we are excited about the future of the Best Egg brand under the Barclays umbrella.

We are looking for collaborative, innovative team players who like to solve problems. There will also be immense opportunities for those willing to dive in. If you’re inspired by growth and want to make a real difference, Best Egg is the place for you.

We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.

About the Role

This position is central to drive critical risk decisions through design and development of machine learning solutions. This role will focus on building and improving risk models that drive credit decisions, ranging from underwriting, pricing to loss forecasting. Your work will shape who we approve, how we price, and how we support customers throughout their financial journey.

This role is a great for data scientists who is passionate about modeling, analytics, and problem-solving — and who want to see their work directly drive critical business decisions.

Duties & Responsibilities
• Build high performance ML models that improve credit predictability and customer outcomes.
• Build end-to-end machine learning pipelines including data extraction, feature engineering, model building, performance evaluation, and implementation.
• Explore rich data assets to uncover trends, identify key risk drivers, and generate insights.
• Manage full modeling lifecycle: model design, data preparation and exploration, feature engineering, model development, evaluation, deployment, monitoring and documentation.
• Design experiments and challenger models to test new ideas and drive innovation.
• Help monitor model performance, including model stability, drift detection, and performance diagnostics.
• Contribute to audit-ready documentation and support model validation and governance processes.
• Leverage modern AI technology and tools to improve workflow, enhance modeling performance, establish and promote best practices.
• Work cross-functionally to ensure models are explainable, transparent, and aligned with business goals and regulatory expectations.
• Translate analytical findings into recommendations for Strategy, Pricing, and other business decisions.

Requirements
• A Master’s or PhD degree in a quantitative field (Statistics, Mathematics, Computer Science, Economics, Data Science, Engineering, etc.).
• 1+ years of experience developing predictive models or performing advanced analytics.
• Strong understanding of statistical modeling and machine learning fundamentals.
• Proficiency in Python (e.g., pandas, numpy, scikit-learn) and SQL.
• Experience working with large datasets.
• Ability to clearly communicate analytical findings to both technical and non-technical audiences.
• Demonstrated ownership, curiosity, and ability to deliver high-quality results.

Nice to Have
• Experience in credit risk, lending and financial services.
• Exposure to cloud environments and modern data tooling.
• Familiarity with model monitoring, validation, and model governance concepts.
• Interest in using AI tools (e.g., ChatGPT, Claude, Gemini) to accelerate modeling and analysis.

$125,000 – $145,000 a year
This position is also eligible for an annual incentive bonus based on individual and company performance. Yearly incentive bonus target 20% of base salary.

Employee Benefits

Best Egg offers many additional benefits for our employees, including (but not limited to):

· Pre-tax and post-tax retirement savings plans with a competitive company matching

program

· Generous paid time-off plans including vacation, personal/sick time, paid short–

term and long-term disability leaves, paid parental leave, and paid company

holidays

· Multiple health care plans to choose from, including dental and vision options

· Flexible Spending Plans for Health Care, Dependent Care, and Health

Reimbursement Accounts

· Company-paid benefits such as life insurance, wellness platforms, employee

assistance programs, and Health Advocate programs

· Other great discounted benefits include identity theft protection, pet insurance,

fitness center reimbursements, and many more!

#LI-REMOTE

In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here