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Entry Level Fintech Data Scientist Jobs (NOW HIRING)

Thatch Health

Data Scientist, Analytics

Austin, TX · On-site

$160 - $200/hr

Data Scientist, Analytics at Thatch Location Austin, Texas, United States; New York, New York ... Working in healthcare, fintech, or other complex, regulated domain. How we work * We move quickly ...

New

Thatch Health

Data Scientist, Analytics

Manhattan, NY · On-site

$160 - $200/hr

Data Scientist, Analytics at Thatch Location Austin, Texas, United States; New York, New York ... Working in healthcare, fintech, or other complex, regulated domain. How we work * We move quickly ...

New

Thatch Health

Data Scientist, Analytics

San Francisco, CA · On-site

$160 - $200/hr

Data Scientist, Analytics at Thatch Location Austin, Texas, United States; New York, New York ... Working in healthcare, fintech, or other complex, regulated domain. How we work * We move quickly ...

New

Kake Group

Senior Product Data Scientist

Austin, TX · Remote

Summary We are seeking a Product Data Scientist to join our team. This position plays a key role in ... Nice to Have: - Prior experience in fintech, payments, or digital assets. - Understanding of ...

New

NinjaHoldings

Data Scientist

Chicago, IL · On-site +1

$90K - $130K/yr

Use advanced data analytics to understand consumer risk behavior trends, their impact on the ... Experience working with specialty finance or FinTech * Marketing analytical experience Benefits:

One Park Financial

Senior Data Scientist

Plano, TX · On-site

... fintech. * Professional Growth : We invest in our employees' growth with continuous learning ... About the Role We are looking for a seasoned Senior Data Scientist to join our Analytics team to ...

One Park Financial

Senior Data Scientist

Miami, FL · On-site

... fintech. * Professional Growth : We invest in our employees' growth with continuous learning ... About the Role We are looking for a seasoned Senior Data Scientist to join our Analytics team to ...

One Park Financial

Senior Data Scientist

Plano, TX · On-site

... fintech. * Professional Growth : We invest in our employees' growth with continuous learning ... About the Role We are looking for a seasoned Senior Data Scientist to join our Analytics team to ...

One Park Financial

Senior Data Scientist

Miami, FL · On-site

$130 - $190/hr

... fintech. * Professional Growth : We invest in our employees' growth with continuous learning ... About the Role We are looking for a seasoned Senior Data Scientist to join our Analytics team to ...

One Park Financial

Senior Data Scientist

Plano, TX · On-site

$120 - $180/hr

... fintech. * Professional Growth : We invest in our employees' growth with continuous learning ... About the Role We are looking for a seasoned Senior Data Scientist to join our Analytics team to ...

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All JobsTechnology JobsData JobsEntry Level Fintech Data Scientist Jobs

Entry Level Fintech Data Scientist information

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$37.5K

$122.7K

$196.5K

How much do entry level fintech data scientist jobs pay per year?

As of Aug 23, 2026, the average yearly pay for entry level fintech data scientist in the United States is $122,738.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $136,000.00 per year, depending on experience, location, and employer.

What does an entry level fintech data scientist do?

An Entry Level Fintech Data Scientist works with financial data to build models, analyze trends, and help companies make data-driven decisions. They typically use programming languages like Python or R, along with statistical and machine learning techniques, to extract insights from large financial datasets. Their day-to-day tasks may include cleaning data, developing predictive models, visualizing results, and collaborating with finance and engineering teams. This role is crucial for improving financial products, detecting fraud, and optimizing business strategies in the fintech industry.

What are the key skills and qualifications needed to thrive as an entry level fintech data scientist, and why are they important?

To thrive as an Entry Level Fintech Data Scientist, you need a solid background in statistics, programming (Python or R), and foundational knowledge of finance or economics, often supported by a relevant degree. Familiarity with data analysis tools such as SQL, machine learning frameworks like scikit-learn, and experience with cloud platforms or financial databases are typically required. Strong problem-solving skills, attention to detail, and effective communication help you interpret data insights and present findings to both technical and non-technical stakeholders. These competencies are crucial for developing accurate data models and delivering actionable insights in the fast-paced fintech industry.

What are some common challenges faced by entry level fintech data scientists, and how can they overcome them?

Entry-level data scientists in fintech often encounter challenges such as working with highly sensitive financial data, navigating complex regulatory requirements, and keeping up with rapidly evolving technologies. It can also be daunting to translate data findings into actionable business insights for stakeholders who may not have a technical background. To overcome these challenges, it's helpful to develop strong communication skills, seek mentorship from experienced colleagues, and stay updated on industry best practices and compliance standards. Regular collaboration with cross-functional teams, such as engineering and product, is also essential for building a solid foundation and advancing in the fintech sector.

What is the difference between Entry Level Fintech Data Scientist vs Entry Level Data Analyst?

AspectEntry Level Fintech Data ScientistEntry Level Data Analyst
Required CredentialsBachelor's in Data Science, Computer Science, or related field; knowledge of programming languages like Python or RBachelor's in Statistics, Mathematics, or related field; proficiency in Excel, SQL, and basic data visualization tools
Work EnvironmentFinancial technology companies, banks, or fintech startups; focus on developing predictive models and algorithmsVarious industries including finance, marketing, and healthcare; focus on data reporting and basic analysis
Employer & Industry UsageCommonly employed in fintech firms to build data-driven products and servicesWidely used across industries for business insights and reporting

In summary, an Entry Level Fintech Data Scientist typically requires programming skills and focuses on building models within fintech companies, while an Entry Level Data Analyst emphasizes data reporting and visualization across various industries. Both roles serve different analytical needs but share foundational data skills.

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The most popular types of Fintech Data Scientist jobs are:

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States with the most job openings for Entry Level Fintech Data Scientist jobs include:

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The top searched job categories for Entry Level Fintech Data Scientist jobs are:

Entry Level Fintech Data Scientist jobs near you
Infographic showing various Entry Level Fintech Data Scientist job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 85% Full Time, 11% Part Time, and 3% Contract. Highlights an 85% Physical, 4% Hybrid, and 11% Remote job distribution, with an average salary of $122,738 per year, or $59 per hour.

Senior Data Scientist (Credit Risk)

Achieve

San Mateo, CA • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 11 days ago

Job description

Company Description
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.
Job Description
We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable working with large data sets, coding in SQL and Python and gaining insights from the data and translating the results into actionable insights for business stakeholders. In this role, you will maintain and enhance our credit risk models/policies to monitor the portfolio and gain insights. You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a passion for streamlining processes and building tools which can monitor models/portfolio effectively. You will be a key contributor to our risk management processes.
Key Responsibilities
  • Building, maintaining and enhancing credit risk models for lending portfolios.
  • Extract, clean and manipulate large data sets using SQL and Python; build pipelines and analytics to perform model and portfolio monitoring.
  • Perform exploratory data analysis (EDA) to identify portfolio trends, drivers of loss performance (vintage, credit bands, borrower attributes, macro factors) and provide insight into model deviations.
  • Maintain forecast deliverables: monthly/quarterly loss forecasts by vintage and segment, stress and scenario analyses, sensitivity testing.
  • Provide commentary and insights to business stakeholders on credit policy assumptions, model health, and emerging portfolio risks.
  • Automate reporting, dashboards and pipelines to streamline model monitoring and improve efficiency and accuracy.
  • Document model methodologies, assumptions, data sources and results in clear, audit-ready format consistent with risk governance requirements.
  • Participate in governance and review of credit model methodology, model validation support and liaise with external auditors or regulators where needed.
  • Continuously identify opportunities to improve credit decisioning accuracy, data infrastructure, modeling techniques, and integrate advanced statistical or machine-learning techniques as appropriate.

Qualifications
Required:
  • Minimum of 8 years' hands-on experience in credit risk modeling and portfolio monitoring. For example, roles in model and performance monitoring, tracking charge-offs, delinquencies, vintage analysis, roll-rates, etc.
  • Strong programming skills in Python/SQL for data analysis, modeling and automation.
  • Solid background in Probability & Statistics
  • Experience with pricing and price optimization along with analytics and monitoring related to pricing
  • Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis, vintage modeling, roll-rate curves, survival analysis or logistic regression in consumer credit risk context.
  • Familiarity with data visualization tools (e.g., Tableau, Python Widgets) or dashboarding
  • Strong analytical and critical thinking skills; ability to interpret results, identify trends, draw actionable insights and communicate clearly to non-technical stakeholders.
  • Excellent documentation skills and experience in preparing audit-ready deliverables (methodologies, assumptions, model validation support).
  • Master's degree in Economics, Statistics, Mathematics, Data Science or a related quantitative discipline (PhD preferred, but not required).

Preferred:
  • Experience in lending (personal loans or credit cards) or fintech lending environment.
  • Experience with credit risk modeling (development & monitoring)
  • Experience working with credit decisioning engines such as Oscilar, TakTile etc...
  • Experience working in CKLightbox environment
  • Experience working in the GCP environment.
  • A Passion for fintech, agile environment, ability to work both independently and in a collaborative, fast-paced team.

Additional Information
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

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.
Note: This role will be wokring hybrid out of our San Mateo, CA office.
Salary Range: $165,000 to $185,000 salary + 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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