---
title: 'Senior Data Scientist at VantageScore'
canonical: 'https://feeny.ai/job/senior-data-scientist-vantagescore-washington-cq1k731fjnm5'
type: 'job'
last_seen: '2026-11-06'
---

# Senior Data Scientist at VantageScore

- **Company:** VantageScore
- **Location:** Washington, DC / New York, NY
- **Posted:** 2026-09-15
- **Last confirmed live:** 2026-11-06
- **Apply:** https://job-boards.greenhouse.io/vantagescore/jobs/4407256009

## Job description

Senior AI Engineer

Hybrid - Washington D.C. (preferred) or New York, NY

## About The Role

We are seeking a highly motivated and innovative Senior Data Scientist (AI/ML) to join our brilliant team of analytics professionals and developers, supporting the cutting-edge development of credit scoring models, generation of unique insights, and delivery of transformative technologies rooted in innovative value propositions.

In this role, you will be essential to credit score model innovation, credit and open banking related  research initiatives, pilot program analyses with lenders and fintech partners, and ongoing model monitoring and reporting processes. You’ll bring your expertise in AI/ML and GenAI/Large Language Models (LLMs) to advance our use of structured and unstructured data to deliver new products and insights.

You’ll partner cross-functionally to deliver scalable AI-powered products and solutions that redefine how consumers engage with credit — ensuring our models are accurate, explainable, and aligned with our mission to empower responsible lending and financial inclusion.

## Key Responsibilities

- Conduct advanced research on structured and unstructured data, developing insights to support product management and new product development.
- Contribute to the design, development, evaluation, and deployment of machine learning (ML) models, including credit risk and predictive models.
- Serve as the team’s expert on GenAI/LLMs, adapting and fine-tuning models and ensuring explainability and compliance.
- Drive pilot program analyses, including back-testing, rejection inference, and performance analyses using diverse data sets.
- Improve and maintain existing model monitoring processes and develop compelling data visualizations and dashboards to communicate key insights to stakeholders.
- Partner with engineers to operationalize models into production systems, ensuring scalability and resilience at high data and inference volumes.
- Research and apply emerging AI/ML, GenAI/LLM technologies, staying abreast of state-of-the-art methods, tools, and best practices.
- Translate complex analyses into clear, actionable business recommendations for both technical and non-technical audiences.
- Contribute to thought leadership through white papers, presentations, and insights shared internally and externally.

## Basic Qualifications

- Master’s or PhD degree in a quantitative field (e.g., Data Science, Applied Mathematics/Statistics, Computer Science, Engineering, Econometrics).
- 3-5 years of professional experience in advanced analytics, AI/ML/LLM, and data science in research and/or corporate environments.
- Proficiency in Python for data science and machine learning workflows.
- Proven experience with machine learning techniques (classification, clustering, regression, neural networks) for predictive risk and credit modeling.
- Strong track record of conducting research, developing analyses, and producing clear and impactful presentations or publications.
- Experience delivering insights and solutions that drive business impact.
- Experience working in Agile and cross-functional teams.

## Preferred Skills & Experience

- Deep expertise in GenAI - Natural Language Processing (NLP) and Large Language Models (LLMs) - including training, fine-tuning, explainability, and deployment.
- Deep expertise in advanced ML techniques (self-supervised learning, training optimization, explainability) with focus on credit scoring.
- Proficiency with modern ML/AI technology stack, such as PyTorch, AWS and related tools.
- Experience delivering innovative, scalable AI/ML solutions integrated into production platforms.
- High-level analytical problem-solving ability, with creativity in defining and solving ambiguous problems.
- Exceptional communication skills, able to convey technical concepts to diverse stakeholders.
- Self-motivated with a collaborative mindset and leadership presence — capable of challenging the status quo and championing innovation.

## Compensation

- Salary Range: 120K-150K/year, plus a discretionary bonus
- Generous Benefits: 401(K) matched up to 7%, Flexible Time Off, 12 Paid Holidays, Medical/Dental/Vision/Wellness benefits, Monthly Team Events, Modern Work/Collaboration Spaces

Join Us and Be the Catalyst of Change in Fintech! Are you a Senior Data Scientist who thrives on innovation and has a deep passion for fintech? We invite you to take the leap and join our team. Together, let's embark on a mission to redefine the industry and propel your career to new heights at VantageScore!

## About VantageScore

## Company Overview
- **One-liner**: VantageScore develops predictive credit scoring models that expand consumer access to credit while helping lenders make more informed lending decisions.
- **Entity Type**: Private (joint venture of Equifax, Experian, and TransUnion)
- **Headquarters**: Washington, D.C., USA (with offices in New York City and San Francisco)
- **Founded**: 2006
- **Founders**: Joint venture established by the three nationwide consumer reporting agencies (NCRAs) – Equifax, Experian, TransUnion

## Core Business
- **Primary industry**: Credit scoring, analytics, financial technology (fintech)
- **Target customers**: B2B – banks, credit unions, fintechs, mortgage lenders, capital markets, and other institutions that assess consumer creditworthiness
- **Mission/purpose**: To be the leading credit modeling company, delivering the most predictive, innovative, and inclusive tri-bureau models and attributes in the US market – expanding consumer credit access and helping lenders make better lending decisions.

## Products & Services
- **VantageScore 4.0**: The flagship credit scoring model that scores approximately 94% of adults 18+ (including ~33 million more consumers than conventional models). It was the first to incorporate trended credit data and to remove paid medical collections. Uses machine learning.
- **VantageScore 4plus™**: An enhancement of 4.0 that leverages consumer-permissioned open banking data to deliver over 10% predictive lift for lenders.
- **VantageScore 5.0**: The latest model (released 2024) that further improves predictive power and financial inclusion.
- **VantageScore 4.0 Attributes**: Custom models and scoring solutions enabling more effective credit decisions, including proprietary GAIN Attributes™ that generate insights beyond traditional scoring inputs.
- **MarketGain™**: A tool launched in 2023 to help lenders identify potential addressable markets when converting to VantageScore 4.0.
- **Capital Markets Solutions**: VantageScore credit scores are used in asset-backed securities (ABS) issuances – $13.4 billion in 2024.

## Market Standing
- **Valuation**: Not publicly available (privately held joint venture)
- **Key metrics**:
  - Over 42 billion VantageScore credit scores used in 2024 (55% increase year-over-year)
  - Used by more than 3,700 institutions (banks, fintechs, etc.)
  - All 10 of the largest US banks use VantageScore credit scores or digital tools in one or more lines of business
  - $13.4 billion in ABS issuances utilizing VantageScore in 2024
- **Notable investors/partners**: Backed by Equifax, Experian, and TransUnion (the three NCRAs). Recognized by the White House as an industry leader in innovation.
- **Growth signals**:
  - FHFA mandate (starting 2025) requires VantageScore 4.0 credit scores for all mortgages sold to or guaranteed by Fannie Mae and Freddie Mac – a massive regulatory catalyst.
  - Record adoption growth in 2023 with 30%+ increase in scores used year-over-year.
  - Expansion into open banking with VantageScore 4plus™.

## Competitive Advantages
- **Tri-bureau model**: The only credit scoring model developed jointly by all three nationwide credit reporting agencies (Equifax, Experian, TransUnion), ensuring consistency and broad data coverage.
- **Financial inclusion leadership**: Scores ~33 million more consumers than conventional models, including historically marginalized populations, without sacrificing safety and soundness.
- **Regulatory tailwind**: FHFA mandate for mortgage lending creates a structural advantage and drives adoption.
- **Innovation track record**: First to incorporate trended credit data, first to eliminate paid medical collections, first to use machine learning in a tri-bureau model, and first to include rent, telecom, and utility data.
- **Proprietary attribute leveling process**: Maintains high score consistency across the three bureaus.
- **Transparency**: Publishes annual model assessments so lenders and policymakers can verify predictive power and fairness.

## Strategic Focus
- **Open banking integration**: VantageScore 4plus™ leverages consumer-permissioned bank data to boost predictive power – a key growth vector.
- **AI/ML advancement**: Investing heavily in generative AI and large language models (LLMs) for credit modeling, as evidenced by recent job postings for Senior AI Engineer and Senior Data Scientist (AI/ML/GenAI).
- **Continued model innovation**: Development of VantageScore 5.0 and beyond to maintain predictive edge.
- **Market expansion**: Driving adoption among lenders, especially in mortgage and capital markets, while helping them comply with the FHFA mandate.
- **Consumer education**: Tens of millions of consumers use VantageScore to monitor their credit; the company aims to increase financial literacy and access.

## Why Work Here
- **Culture & mission**: Fast-paced, independent startup culture within a financially stable joint venture backed by the three major credit bureaus. Employees drive impact on a massive scale, helping millions of Americans gain access to credit and homeownership.
- **Values**: Innovation, inclusion, collaboration, respect, transparency.
- **Work policy**: Hybrid – offices in Washington D.C., New York City, and San Francisco.
- **Benefits** (from careers page and job postings):
  - 401(k) matched up to 7%
  - Flexible Time Off (PTO)
  - 12 paid holidays
  - Medical, dental, vision, and wellness benefits
  - Monthly team dinners/events in NYC and SF
  - Modern collaboration spaces
- **Open roles** (as of mid-2026): Senior AI Engineer, Site Reliability Engineer, Senior Marketing Specialist, Search Marketing & SEO Manager (Contract), Software Engineer (Contract), Analyst (Capital Markets & Industry Relations), Director of Compliance, Executive Assistant & Office Administrator, and Senior Data Scientist (AI/ML/GenAI).
- **Engineering culture**: Emphasis on state-of-the-art data analytics, AI/ML/LLM research, and cross-functional teamwork. The company offers the chance to work on cutting-edge credit models that directly impact financial inclusion.

## Sources
1. [vantagescore.com](https://vantagescore.com/) – Main site with product overview and key metrics
2. [vantagescore.com/about](https://vantagescore.com/about/about-vantagescore) – About page with mission, history, and financial inclusion details
3. [vantagescore.com/about/careers](https://vantagescore.com/about/careers) – Careers page with open positions and benefits
4. [vantagescore.com/about/careers/senior-data-scientist-ai-2](https://vantagescore.com/about/careers/senior-data-scientist-ai-2) – Senior Data Scientist job posting with detailed company description and benefits
5. [linkedin.com/company/vantagescore](https://www.linkedin.com/company/vantagescore) – LinkedIn company page with open positions

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