Lead a team to develop machine learning models for credit strategies, collaborating across functions and delivering measurable business outcomes.
Your role in our mission
Prosper’s lending strategies have been powered by ML models since 2015 and continued to advance into new areas with proven performance and scalability. As the Sr Director of Data Science, you will build machine learning models for our Personal Loan and Credit Card business and closely work with credit strategy teams and third-party solution providers. In this role you will work with a fast-paced and talented team that values innovation and teamwork. We value the right talent, so you can work remotely in the U.S.
How you’ll make an impact
- Lead a team to build cutting-edge machine learning models for our personal loan and credit card acquisition credit strategies (Underwriting/Line Assignment/Pricing) , as well as card credit management programs, such as credit line management, transaction fraud, payment fraud etc.
- Apply your knowledge in data, modeling, and in-depth business expertise to design and develop critical ML/AI models to drive the growth of the business
- Collaborate with cross-functional teams to manage the entire modeling cycle including model design, development, evaluation, validation, and performance tracking
- Evaluate third party solutions with strong business acumen to deliver results with high ROI
- Demonstrate exceptional business communication skills to translate complex modeling work into tangible business results
- Lead by example to show passion and enthusiasm towards new challenges and never cease to challenge the status quo
Skills that will help you thrive
- 12+ years of experience in credit card modeling or consumer lending business
- 7+ years of people leadership experience
- M.S. or PhD required, preferably in statistics, computer science, engineering, physical sciences, economics, or related technical field
- A strong machine learning education background and experienced in applying the skills to solve business problems
- Ability to formulate business problems and guide the team to deliver the results expected in an agile and fast-paced environment
- Demonstrated track record of organizational skills to provide viable options to balance the time-to-market expectations and the organizational cost of the changes
- Outstanding communication skills – ability to effectively communicate complex concepts in plain English, and comfortable with technical details to communicate with cross-functional stakeholders
- Comfortable to use Google Cloud data environment and broad stack of technologies such as Python, Spark, SQL and Tableau
- Familiar with regulatory guidelines in lending business
Resources to help you prosper
- A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported.
- Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security.
- Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage.
- Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.
Interview Process
- Recruiter Call: A brief screening to discuss your experience and initial questions.
- Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member.
- Team Interview: Meet team members for collaborative discussions, problem-solving, or technical exercises.
- Leadership Interview: General leadership discussion about background and skillset.
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About Our Technology Team
We are growing our Technology team to support our various financial products. The ideal candidate is passionate about learning the Fintech domain and delivering cutting-edge, high-quality solutions to solve business problems. We utilize a progressive, test-driven, Agile development methodology that places a high premium on communication, teamwork, sound design and clean implementation.
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
www.prosper.com
Our Story & Team // Our Blog
Applicants have rights under Federal Employment Laws.
Family & Medical Leave Act (FMLA)
Equal Employment Opportunity (EEO)
Employee Polygraph Protection Act (EPPA)
California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.
Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.
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.
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