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Staff Data Scientist

EARNEST • San Francisco, CA, US • published 2026-11-12 07:00:04.886032

Description

***Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.*** *Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you're as passionate as we are about our mission, read more below, and let's build something great together.* **The** **Staff Data Scientist** **will report to** **Sr. Manager, Data Science \+ Pricing.** You will be the primary owner of risk data science at Earnest, driving the development of sophisticated credit risk, underwriting, fraud detection, collections, and loss forecasting frameworks that directly shape portfolio health and the unit economics of our lending products. You will lead high\-impact modeling initiatives, mentor junior team members, and serve as a key cross\-functional partner to senior stakeholders across Risk, Product, Capital Markets, Engineering, and Finance. **As the** **Staff Data Scientist,** **you will:** * Own the end\-to\-end development and delivery of Risk Science systems — including credit risk scoring, default prediction (PD/LGD), fraud detection, and collection score...

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