Data Scientist, Brex

Credit

$152-190k

SQL
Python
R
Mid and Senior level
New York

More information about location

2+ days a week in office

Brex

All-in-one finance for business

Open for applications

Brex

All-in-one finance for business

1001+ employees

FintechB2BPaymentsFinancial ServicesSaaS

Open for applications

$152-190k

SQL
Python
R
Mid and Senior level
New York

More information about location

2+ days a week in office

1001+ employees

FintechB2BPaymentsFinancial ServicesSaaS

Company mission

To empower employees anywhere to make better financial decisions.

Role

Who you are

  • The ideal candidate has experience in credit risk modeling, underwriting analytics, and quantitative risk assessment
  • They should have strong business acumen, deep familiarity with credit products, and the ability to communicate technical insights to non-technical stakeholders
  • Master’s degree or Ph.D. in Statistics, Economics, Finance, Computer Science, or a related quantitative field
  • 3+ years of experience in credit risk analytics, underwriting strategy, or related data science roles in lending or financial services
  • Strong experience with SQL and Python (or R) for data analysis and modeling
  • Proficiency in credit risk modeling techniques, including logistic regression, scorecard development, and loss forecasting
  • Familiarity with credit bureau data, alternative data sources, and regulatory risk considerations
  • Ability to synthesize complex analyses into actionable business insights and communicate findings to stakeholders
  • Experience with experimentation and causal inference methodologies
  • If you are passionate about using data science to drive better lending decisions, we’d love to hear from you!

Desirable

  • Experience working in B2B SaaS or fintech, particularly in a lending environment
  • Familiarity with risk-based pricing models and financial modeling techniques
  • Experience working with credit decisioning systems and automated underwriting workflows
  • Knowledge of regulatory frameworks such as CECL, Basel II/III, or stress testing methodologies

What the job involves

  • Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry
  • We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream
  • We make this a reality by empowering you with the tools, resources, and support you need to grow your career
  • Our Scientists and Engineers work together to make data—and insights derived from data—a core asset across Brex. But it's more than just crunching numbers
  • The Data team at Brex develops infrastructure, statistical models, and products using data
  • Our work is ingrained in Brex's decision-making process, the efficiency of our operations, our risk management policies, and the unparalleled experience we provide our customers
  • As a Data Scientist II, Credit, you will partner closely with our Credit, Enterprise Risk, and Data Science teams to develop analytical frameworks that inform underwriting policies and credit risk strategies
  • Your work will directly support our Chief Risk Officer in executing a targeted loss rate while ensuring sustainable growth for our credit offerings
  • You will leverage data science techniques to enhance our credit risk assessment, optimize lending decisions, and refine our risk-based pricing models
  • Your insights will play a critical role in aligning risk management with business strategy and regulatory considerations
  • Develop analytical frameworks and risk models to inform underwriting decisions and credit policy optimization
  • Analyze loss rate trends, credit performance, and portfolio risk dynamics to drive strategy adjustments
  • Collaborate with Credit and Enterprise Risk teams to establish data-driven risk appetite frameworks and lending criteria
  • Work closely with our Credit Risk Machine Learning team to improve risk-scoring methodologies and loss forecasting models
  • Support pricing and limit-setting strategies through quantitative analysis of risk-adjusted returns
  • Design and evaluate tests to policy changes to measure the impact of credit risk strategies on financial performance
  • This role offers a unique opportunity to shape the future of credit risk strategy at Brex while working with a world-class data and risk management team

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Insights

Top investors

3% employee growth in 12 months

Company

Company benefits

  • Company equity
  • Parental leave
  • Health, dental & vision insurance
  • Generous PTO if full-time + paid holidays
  • Company-wide weeks off
  • Remote-first team
  • Company offsites
  • Monthly remote stipend
  • One-time office setup budget

Funding (last 2 of 8 rounds)

Oct 2021

$300m

SERIES D

Apr 2021

$425m

SERIES D

Total funding: $1.1bn

Our take

Brex started its life focused on providing credit cards aimed mainly at startups and SMBs, but has gradually evolved its model with the aim of serving as a one-stop finance shop for companies. With 1,000s of software integrations, Brex is the largest modern corporate card platform, helping businesses scale and fuel growth.

Brex has adapted to the changing market by expanding the size of the businesses it serves, now covering all companies from startups to enterprises. It's over 20,000 customers are based in 100+ countries, resulting in the company processing tens of billions of dollars in transactions.

The company has raised significant capital, most prominently a debt financing round of $260 million in 2024, and reached a valuation of $12.3 billion in 2022. With the landscape of companies clamoring to meet financial needs increasing by the day, Brex is well set to see continued growth.

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Freddie

Company Specialist at Welcome to the Jungle