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Contract Data Scientist Risk Jobs in Whippany, NJ

Imprint

Data Scientist, Risk

New York, NY · On-site +1

$170K - $200K/yr

  • Medical

  • PTO

As a Data Scientist, Risk, you will own the modeling powering Imprint's top-of-funnel credit decisioning-from application intake through approval-across every acquisition channel: direct affiliates ...

Found

Senior Data Scientist, Risk

New York, NY · On-site +1

$163K - $225K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

As a Risk Data Scientist at Found, you will be a key player in our Risk team, responsible for identifying, mitigating, and managing financial and operational risks across our product offerings. You ...

Neara

Principal Research Scientist - Risk

New York, NY · On-site

$180K - $220K/yr

Neara provides network-scale structural, loading, and contextual data across complete overhead electrical systems. As the Principal Research Scientist - Risk, you will use this information to build ...

MM International

Data Scientist

New York, NY · Remote

Remote Duration 4-6 months The RBQM Data Scientist supports central monitoring and risk-based quality management (RBQM) for clinical trials. This role focuses on implementing and running pre-defined ...

Rain

Data Scientist - Fraud Risk

New York, NY · On-site +1

$50K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Background in identity risk, AML, payments fraud, or compliance analytics * Fluency in AI-assisted data analysis / data science tooling Things that enable a fulfilling, healthy, and happy experience ...

Gemini

Senior Fraud Data Scientist

New York, NY · On-site +1

  • Medical

  • Retirement

Our diverse team brings expertise across technology, legal, risk, data, and operations, leveraging ... Senior Fraud Data Scientist As a Senior Fraud Data Scientist, you will play a critical role in ...

Gemini

Senior Fraud Data Scientist

New York, NY · On-site

  • Medical

  • Retirement

Our diverse team brings expertise across technology, legal, risk, data, and operations, leveraging ... Senior Fraud Data Scientist As a Senior Fraud Data Scientist, you will play a critical role in ...

Mondo

Data Scientist

Manhattan, NY · On-site

$75 - $80/hr

  • Medical

  • Dental

  • Vision

  • Retirement

Start date is ASAP for this contract position. Job Title: Data Scientist, Audience & Growth Location-Type: Hybrid - New York, NY (must currently permanently reside within 50 miles of NYC) Start Date:

Oscar Health

Senior Data Scientist

New York, NY · Hybrid

$163K - $215K/yr

  • Medical

  • PTO

The Risk Adjustment Data Science team turns that data into the models, pipelines, and systems that quantify Oscar's clinical risk and power our risk adjustment submissions-work that directly impacts ...

Findigs

Data Scientist

New York, NY · On-site

  • Medical

  • Retirement

  • PTO

As Data Scientist at Findigs, you will strengthen our data science and applied machine learning ... Predictive and risk modeling: Build and maintain models used in screening logic (e.g., delinquency ...

Findigs

Data Scientist

New York, NY · Hybrid

$160K - $185K/yr

As Data Scientist at Findigs, you will strengthen our data science and applied machine learning ... Predictive and risk modeling: Build and maintain models used in screening logic (e.g., delinquency ...

Td

Data Scientist III - FCRM Risk Modeling

New York, NY · On-site

$96K - $155K/yr

The US Financial Crime Risk Modeling & Advanced Analytics team within US Financial Crime department ... We are seeking talented data scientists to join us to innovate, drive, and support initiatives and ...

MasterCard

Data Scientist

New York, NY

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Title and Summary Data Scientist Overview: Are you passionate about building scalable, high ... risk to the organization and, therefore, it is expected that every person working for, or on behalf ...

Oscar Health

Senior Data Scientist

New York, NY · Hybrid

$163K - $215K/yr

The Risk Adjustment Data Science team turns that data into the models, pipelines, and systems that quantify Oscar's clinical risk and power our risk adjustment submissions--work that directly impacts ...

Oscar Health

Senior Data Scientist

New York, NY · On-site

$163K - $215K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Risk Adjustment Data Science team turns that data into the models, pipelines, and systems that quantify Oscar's clinical risk and power our risk adjustment submissions-work that directly impacts ...

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Contract Data Scientist Risk information

See Whippany, NJ salary details

$37.7K

$123.4K

$197.6K

How much do contract data scientist risk jobs pay per year?

As of Aug 13, 2026, the average yearly pay for contract data scientist risk in Whippany, NJ is $123,445.00, according to ZipRecruiter salary data. Most workers in this role earn between $99,100.00 and $136,800.00 per year, depending on experience, location, and employer.

What is a contract data scientist risk?

Contract Data Scientist Risk jobs involve analyzing large datasets to identify, assess, and model risks within an organization on a contract or temporary basis. These professionals use statistical techniques, machine learning, and data visualization to help companies make informed decisions about risk management. Their work often focuses on financial, operational, or compliance risks, and they typically collaborate with risk managers and other stakeholders. Contract roles offer flexibility and are often project-based, allowing companies to access specialized expertise when needed.

How does a contract data scientist risk typically collaborate with cross-functional teams within an organization?

As a Contract Data Scientist focused on risk, you’ll frequently work alongside risk analysts, compliance officers, IT professionals, and business managers to identify, assess, and mitigate potential threats to the organization. You’ll translate complex data models into actionable insights, present findings to non-technical stakeholders, and often participate in strategic meetings to align your analyses with business goals. Effective communication and teamwork are essential, as your models and recommendations directly influence decision-making across departments. This collaborative environment allows you to quickly gain exposure to different areas of the business and expand your professional network.

What are the key skills and qualifications needed to thrive as a contract data scientist risk, and why are they important?

To thrive as a Contract Data Scientist in Risk, you need strong analytical skills, proficiency in statistical modeling, and a solid background in mathematics or computer science, often supported by an advanced degree. Familiarity with programming languages like Python or R, expertise in machine learning libraries, and experience with risk modeling platforms or data visualization tools are typically required. Outstanding problem-solving abilities, attention to detail, and effective communication make someone stand out in this position. These skills and qualities are crucial for accurately identifying, assessing, and mitigating risks, enabling data-driven decision-making in dynamic business environments.

What cities near Whippany, NJ are hiring for Contract Data Scientist Risk jobs?

Cities near Whippany, NJ with the most Contract Data Scientist Risk job openings:

Contract Data Scientist Risk jobs near you
Infographic showing various Contract Data Scientist Risk job openings in Whippany, NJ as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 17% Part Time, and 4% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $123,445 per year, or $59.3 per hour.

Data Scientist, Risk

Imprint

New York, NY • On-site, Remote

$170K - $200K/yr

Full-time

Medical, PTO

Re-posted 14 days ago

Job description

Who We Are
Imprint helps the world's best brands grow the lifetime value of their customers. We started with co-branded credit cards and rebuilt them to be smarter, more rewarding, and brand-first. We partner with companies like Crate & Barrel, Rakuten, Booking.com, H-E-B, Fetch, and Shell to launch modern credit programs that deepen loyalty, unlock savings, and drive growth. But the card is just the beginning. We combine advanced payments infrastructure, intelligent underwriting, and deep customer data to create delightful and personalized experiences for members as well as efficient and profitable relationships for our brand partners. Our robust technology and world-class operations allow us and our brand partners to offer powerful financial products without becoming a bank.
In the U.S., co-branded cards alone account for over $300 billion in annual spend, and most still run on decades-old legacy bank systems. Imprint is the modern alternative: flexible, embeddable, and built for how people actually pay today. Backed by Kleiner Perkins, Thrive Capital, Ribbit, and Khosla Ventures, we're building a world-class team to redefine how people pay and how brands grow. If you want to move fast, solve hard problems, and own real outcomes, we want to meet you.
Role Summary
The Risk team at Imprint is responsible for making smarter, faster credit decisions that balance growth with responsible risk management. The team builds the models, policies, and analytical systems that power underwriting, fraud detection, and portfolio optimization across all of Imprint's credit programs.
As a Data Scientist, Risk, you will own the modeling powering Imprint's top-of-funnel credit decisioning-from application intake through approval-across every acquisition channel: direct affiliates (Credit Karma, NerdWallet), invitation-to-apply emails, direct mail, paid social, instant prescreens, and on-site applications. Your primary focus will be improving approval rates while maintaining credit quality: building better underwriting models, designing policy experiments, and uncovering segments where we can safely expand access to credit.
This role sits at the intersection of credit and acquisition strategy. You will partner directly with Credit Strategy, Product, Engineering, and Marketing to build targeting models for new channels, evaluate channel-level credit performance, and connect acquisition volume to downstream economics-approval rates, vintage loss forecasts, LTV, CAC, and contribution profit. Increasingly, that means building not just analyses but AI-powered systems that can autonomously monitor approval rate, channel performance, diagnose shifts, and recommend policy adjustments.
The Opportunity
  • Own and improve the full top-of-funnel credit decisioning pipeline: application scoring, policy rules, decline waterfalls, and approval rate optimization across direct affiliates, invitation-to-apply, direct mail, paid social, instant prescreens, and on-site applications
  • Build and iterate on underwriting, targeting, and segmentation models that expand safe approvals and improve channel-level acquisition quality
  • Design and analyze A/B tests and champion/challenger experiments on credit policies, establishing a test-and-learn cadence with structured readouts on both acquisition and credit performance
  • Build channel-level performance models that connect application volume to downstream economics: approval rates, expected losses, LTV, CAC, and contribution profit
  • Design and build agentic workflows and AI-powered monitoring systems that autonomously detect approval rate anomalies, diagnose score drift and population mix changes, and recommend policy adjustments
  • Partner directly with Credit Strategy, Product, Engineering, and Marketing to develop targeting criteria and risk frameworks for new and emerging acquisition channels
  • Build segmentation frameworks to identify underserved populations where credit access can be responsibly expanded

Your Profile
Required
  • 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field, ideally at a high-growth startup or fintech company
  • Strong Python and SQL skills, with the ability to build models, transform raw data, and create custom datasets from complex financial data
  • Experience building credit risk or targeting models (scorecards, underwriting models, segmentation) or similar predictive modeling in a regulated environment
  • Deep understanding of statistical inference, experimentation design, and causal analysis, with the ability to disentangle policy impact from population shifts and channel mix changes
  • Comfort with AI tools and AI-native workflows; you actively use tools like Claude, Copilot, or similar to accelerate your work and are excited to build AI-powered analytical systems
  • Full-stack problem-solving orientation: you dive into messy data, trace a decline to its root cause, and question assumptions in pursuit of a better answer
  • Ability to present complex findings clearly to technical and non-technical audiences, including senior leadership and external partner stakeholders
  • Comfort owning projects end-to-end in a fast-moving startup environment with limited scaffolding, collaborating cross-functionally with Policy, Strategy, Product, and Engineering

Nice to Have
  • Experience with credit card underwriting, lending, or consumer credit products
  • Familiarity with credit bureau data (Vantage, FICO, tradeline attributes) and alternative data sources
  • Experience building or scaling experimentation infrastructure for credit policy testing
  • Exposure to fraud detection, KYC/IDV workflows, or application fraud models
  • Understanding of acquisition channel economics and experience partnering with marketing or credit strategy teams on targeting and LTV modeling

We don't expect every candidate to check every box. If this role excites you and you bring strong fundamentals, we encourage you to apply.
Stack
Python and SQL for modeling and analysis. Snowflake for data warehousing. AWS infrastructure. Dashboarding and monitoring tools for production systems.
Learn More
Learn more about how we build at Imprint on our engineering blog: https://medium.com/imprint-eng
Perks & Benefits
  • Competitive compensation and equity packages
  • Leading configured work computers of your choice
  • Flexible paid time off
  • Fully covered, high-quality healthcare, including fully covered dependent coverage
  • Additional health coverage includes access to One Medical and the option to enroll in an FSA
  • 20 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents
  • Access to industry-leading technology across all of our business units, stemming from our philosophy that we should invest in resources for our team that foster innovation, optimization, and productivity

Imprint is committed to a diverse and inclusive workplace. Imprint is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Imprint welcomes talented individuals from all backgrounds who want to build the future of payments and rewards. If you are passionate about FinTech and eager to grow, let's move the world forward, together.

Apply