Lead Data Scientist

Hybrid in NYC or San Diego (La Jolla/UTC);
Remote About Prism Data

Prism Data is building the future of credit scoring with modern technology and data science. Prism’s platform enables banks and other lenders to utilize automated cash flow underwriting—analyzing detailed banking history alongside traditional credit history in an instant—to improve financial decisions, expand credit approvals, lower losses, and more. Prism’s API-based, no-PII platform translates raw transaction data from any source into actionable insights and scores including the market-leading Cash Score® for credit risk management.

Prism works with some of the biggest banks and fastest growing fintechs in the country and Prism’s technology has been used to power billions of dollars worth of credit originations and to improve millions of credit decisions. Prism is well-funded and backed by large financial institutions like Synchrony and Citi, as well as top VCs like Obvious Ventures, Core Innovation Capital, and Valar Ventures.

At the heart of Prism’s offering is Data Science—not just as a technical function, but as the core product. As such, the Lead Data Scientist plays a uniquely central role in the company’s success, with direct influence on product innovation, commercial strategy, and company-wide decision making.

Prism is seeking a Lead Data Scientist who will make high-impact, hands-on contributions that sustain and advance Prism’s industry-leading position. Reporting directly to the Head of Data Science, the Lead Data Scientist will conduct R&D for next-generation solutions, test and present Prism products’ effectiveness at solving prospects’ and clients’ business problems, produce insights that inform external thought leadership, collaborate with cross-functional partners to enhance operations, and play a senior individual contributor role on a growing team of data scientists.

The role presents a rare opportunity to make a measurable difference at a critical inflection point for both Prism and the credit scoring and lending industries.

Maintain and advance existing analytical product suite

Enhance core cash flow underwriting offerings as new data elements become available.

Develop next-generation versions of products to boost stability, predictive accuracy, and relevancy to emerging use cases.

Develop new products for new market opportunities using novel data assets.

Demonstrate best practices in transparent modeling approaches to enable easy client adoption.

Support sales, revenue attainment, and thought leadership

Conduct proof of concept analyses of the efficacy of Prism products in the context of clients’ business problems, and present results and insights.

Support new and existing clients by guiding them on score cutoffs and the use of powerful custom attribute sets for their business.

Educate clients on technical product knowledge.

Contribute analysis to thought leadership content delivered by Prism executives in white papers and industry conferences.

Streamline technical operations

Support product implementations in the proprietary platform that powers the products and enables high performance.

Monitor product performance to ensure stability and power. Identify issues and improvement opportunities.

Ensure internal processes are scalable, repeatable, and continuously improving, especially with the proof of concept analysis process.

Lead and communicate

Successfully improvise and handle new situations using judgment and expertise developed through experience.

Own time and task management of assigned projects, some of which may include coordinating the contributions of others.

Demonstrate exceptional oral, written, and interpersonal communication of complex technical information in a simplified manner to various audiences.

Independently and effectively engage in cross-team discussions to direct deliverables, deadlines and handoffs.

Education

Bachelor’s degree in Statistics, Data Science, Math, Industrial Engineering, or similar quantitative discipline required. Master’s or PhD is a plus.

Professional Experience

4+ years of experience as a Data Scientist or Statistician, preferably in…