Data Scientist, Brex

• 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

• 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