Credit Risk Data Science Jobs in California (NOW HIRING)

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth. 

This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills. 

What you'll do:

Credit Analytics & Portfolio Risk Management

• Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends.

• Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.

• Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk.

• Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts.

AI-Driven Credit Underwriting Strategy

• Lead the exploration and practical development of Credit Risk's AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities.

• Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance.

• Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution.

• Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability.

Capital Markets Support

• Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions.

• Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications.

• Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities.

• Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.

  What you'll bring:

• 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines.

• 5+ years of leadership experience managing analytics, data science, or credit risk functions.

• Strong knowledge of consumer lending (Personal loans, HELOC) 

• Proven track record leading strategic transformation initiatives and cross-functional programs.

• Advanced analytical skills (SQL, Python, or similar).

• Ability to translate complex analytical concepts into actionable business recommendations.

• Strong analytical, problem solving and communication skills.

• Strategic thinker with strong business acumen and executive presence.

• Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.

Preferred:

• Experience supporting Capital Markets function at a fintech.

• Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments.

• Strong knowledge of Debt Settlement business.

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $240,000 - $270,000 + bonus + benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.

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