Senior Data Scientist

POSITION SUMMARY

The Senior Data Scientist leads the company’s data science and AI roadmap using strong mortgage‑industry expertise. The role develops and deploys advanced machine learning and Generative AI solutions that support underwriting, risk management, marketing, and servicing. It also designs scalable data pipelines and automated workflows in partnership with data engineering. The position ensures all models meet governance, validation, and regulatory requirements. The Sr Data Scientist mentors team members and promotes a culture of technical excellence. Overall, the role provides strategic and technical leadership that drives measurable business impact.

RESPONSIBILITIES

• Drive the data science and AI roadmap using extensive mortgage industry domain knowledge.
• Identify high‑impact opportunities to optimize P&L, enhance efficiency, and manage risk effectively within regulatory constraints.
• Lead the end‑to‑end architecture, development, and validation of sophisticated machine learning models and Generative AI solutions to revolutionize underwriting automation, risk assessment, precision marketing, and servicing operations.
• Act as a technical expert in designing robust data pipelines, feature stores, and automated deployment workflows.
• Partner closely with data engineering teams to ensure scalability and reliability for both structured data and unstructured AI content needs.
• Establish and enforce comprehensive governance frameworks for model validation and performance monitoring, ensuring strict adherence to all financial regulatory standards (e.g., Fair Lending, UDAAP) with transparent reporting for executive and regulatory oversight.
• Mentor more junior data scientists, fostering a culture of technical excellence, accountability, and continuous learning across the organization.
• Effectively and accurately convey information to others.
• Perform related duties as assigned by management.

QUALIFICATIONS AND EDUCATION REQUIREMENTS

Master’s or Ph.D. in a quantitative discipline.

• 8+ years of data science experience in financial services or the mortgage industry; experience in online lending is a plus.
• Comprehensive knowledge of the mortgage lifecycle, including credit risk, underwriting, and servicing.
• Expert‑level proficiency in Python and sophisticated SQL programming for complex data manipulation and analysis.
• Demonstrated success in building and maintaining production ML models; experience leading the hands‑on transition of emerging AI (LLMs, RAG, Agentic Workflows) from initial PoC to stable, compliant production environments.

SKILLS, ABILITIES, AND KNOWLEDGE

• Strong practical experience with data engineering principles, big data technologies, and cloud platforms.
• Strong verbal communication skills and strong writing and composition abilities.
• Strong interpersonal skills to develop and maintain effective and professional relationships across the organization and with customers.
• Strong influencing and negotiation skills; consultative and collaborative work style.
• High learning agility with the ability to learn and integrate business variables and new systems and platforms.
• Strong analytical and problem‑solving abilities; solid decision‑making abilities coupled with sound judgment.
• Effective at managing multiple priorities under tight deadlines in a fast‑paced, dynamic environment.
• Strong project management and time management capability.
• Self‑directed and comfortable working with ambiguity and uncertainty.
• High degree of professional maturity, integrity, and ability to maintain confidential data and information.
• High degree of business acumen and strong technical aptitude.

WORK ENVIRONMENT AND PHYSICAL REQUIREMENTS

On‑site work at the assigned office location with regular, punctual attendance. Flexibility to work occasional adjusted schedules, overtime, and evening/weekend hours as needed. Requires prolonged sedentary work at a computer, frequent typing, and periodic phone calls in a noisy cubicle environment. Effective verbal communication in English is essential.

COMPANY BENEFITS

• Medical, dental, and vision insurance.
• Health Savings Account with employer contribution.
• 401(k) retirement plan with employer match.
• Paid maternity, parental bonding, and caregiver leave; adoption assistance.
• Tuition and certification reimbursement.
• Employee mortgage loan program.

EQUAL EMPLOYMENT OPPORTUNITY

We’re proud to be an equal‑opportunity employer and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and veteran status. Great employees join our community in a culture of inclusiveness and support.