Data Scientist, Credit Risk Analytics.

Data Science & ML Full-Time

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Data Scientist, Credit Risk Analytics: our view in 3 lines...

The Role:This role is for a data scientist focused on credit risk analytics in fintech.
The Person:The person will build machine learning models for credit and fraud risk, analyze portfolio performance, monitor credit risk models in production, and present findings to risk management and other teams.
Requirements:The ideal candidate has 2-3+ years of work experience, an advanced degree preferably in statistics, computer science, engineering, physical sciences, economics, or a related technical field, and expert knowledge of statistical programming languages and databases.

About the role

Your role in our mission

Prosper is seeking a Data Scientist under the Credit Risk Analytics vertical. You will become a core contributor with machine learning expertise in the credit risk team, delivering results that directly impact business value. This is a unique, hybrid role where you will not only build and deploy industry-leading predictive models but also play a critical role in shaping our credit risk strategy and business decisions.

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About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!

Our Values

Diversity expands opportunities
Collaboration creates better solutions
Curiosity fuels our innovation
Integrity defines all our relationships
Excellence leads to longevity
Simplicity guides our user experience
Accountability at all levels drives results

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At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.

Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.

*All personal loans are made by WebBank.

¹The Prosper Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.

Published August 5, 2026

Location United States, United States of America

Category Data Science & ML

Job Type Full-Time

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