Credit Risk Data Science Jobs in Phoenix, AZ (NOW HIRING)

Established in 2021,Independence Pet Holdingsis a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.

We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.

Job Summary:

IDEA (IPH Data & Enterprise Analytics) is IPH's enterprise data organization responsible for building and operating the data platform, governance framework, and analytics capabilities that power decision-making across all brands. The team brings together experienced data leaders and engineers from across IPH and beyond to create a unified, enterprise-scale data function. Organized around four core pillars-Data Strategy & Planning, Infrastructure & Data Engineering, Enterprise Data Governance, and Analytics & Reporting-IDEA partners with teams across the organization to architect, manage, and activate data & analytics so every IPH team can make faster, smarter, and more informed decisions.

As a result, we are looking for a Lead Data Scientist to join the organization.

The Lead Data Scientist will lead the development and application of advanced data science and analytical solutions to drive pricing, risk, customer, and operational insights across IPH's pet insurance portfolio. While the role is focused on pet insurance, we value candidates with experience in e-commerce, subscription businesses, or other consumer-facing industries who can bring diverse analytical approaches-such as LTV modeling, segmentation, A/B testing, and paid media analytics-to help innovate and optimize the business. Beyond model development, this role will frame complex business problems, translate analytical findings into clear and actionable insights, and partner closely with stakeholders across product, marketing, actuarial, and operations to drive data-informed decisions. Reporting to the Head of Analytics, the Lead Data Scientist will help shape the data science roadmap, champion best practices in experimentation and modeling, and contribute to building a strong analytical culture across IPH.

Job Location:

• Hybrid - Chicago, Cleveland, Scottsdale/Phoenix, New York City

Main Responsibilities:

• Develop predictive and prescriptive models to support pricing, risk, customer, and operational decision-making across the pet insurance portfolio
• Apply advanced statistical and machine learning techniques to a variety of business problems, including customer behavior, retention, and marketing performance
• Mentor other data scientists and analytics talent as needed, and develop data science rigor and expertise across the organization
• Partner with actuarial, product, and analytics teams to set data science goals and objectives and translate business questions into analytical solutions
• Collaborate with engineering and analytics teams to deploy models into production and ensure scalable, maintainable solutions
• Communicate insights and recommendations to technical and non-technical audiences, leveraging learnings from insurance and other consumer-facing industries

Qualifications:

• 6+ years of professional data science or advanced analytics experience with a BS/MS, or 4+ years of experience with a PhD in a quantitative field
• Strong Python and SQL expertise
• Experience with large-scale datasets, structured and unstructured
• Familiarity with analytics engineering concepts or hands-on experience is a plus

Preferred Qualifications:

• Pricing, underwriting, or risk modeling experience
• Experience in insurance or regulated industries
• Experience with cloud-based platforms (Databricks, Snowflake, or similar) and notebook-based workflows
• Experience with dbt (data build tool) or related data transformation approaches
• Exposure to concepts common in P&C, ecommerce, subscription, or marketing analytics (LTV, segmentation, A/B testing, etc)

All of our jobs come with great benefits including healthcare, parental leave and opportunities for career advancements. Some offerings are dependent upon the location of where you work and can include the following:

• Comprehensive full medical, dental and vision Insurance

• Basic Life Insurance at no cost to the employee

• Company paid short-term and long-term disability

• 12 weeks of 100% paid Parental Leave

• Health Savings Account (HSA)

• Flexible Spending Accounts (FSA)

• Retirement savings plan

• Personal Paid Time Off

• Paid holidays and company-wide Wellness Day off

• Paid time off to volunteer at nonprofit organizations

• Pet friendly office environment

• Commuter Benefits

• Group Pet Insurance

• On the job training and skills development

• Employee Assistance Program (EAP)

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