--- title: 'Software Engineer at VantageScore' canonical: 'https://feeny.ai/job/software-engineer-vantagescore-san-francisco-0mm2qzbpyf37' type: 'job' last_seen: '2026-11-06' --- # Software Engineer at VantageScore - **Company:** VantageScore - **Location:** San Francisco, CA - **Posted:** 2026-02-13 - **Last confirmed live:** 2026-11-06 - **Apply:** https://job-boards.greenhouse.io/vantagescore/jobs/4129824009 ## Job description ## About The Role We are seeking a mid-level Software Engineer with strong Python experience to join our growing engineering team. You will design, build, and maintain scalable applications and services, collaborate cross-functionally, and help drive best practices in coding, testing, and deployment. This role is ideal for an engineer who is comfortable working in fast-moving environments and is passionate about building high-quality software. This is a full-time hybrid position requiring in-person work three days per week at our South San Francisco office. ## Key Responsibilities - Design, develop, and maintain backend services, APIs, and data pipelines using Python. - Migrate and convert existing SAS code to Python, ensuring functionality and performance parity. - Collaborate with product managers, designers, and fellow engineers to define requirements and deliver solutions. - Write clean, maintainable, and well-tested code. - Participate in code reviews and provide constructive feedback. - Debug, troubleshoot, and improve application performance and reliability. - Contribute to architectural discussions and implementation strategies. - Help automate workflows and improve development processes. - Maintain documentation of systems, workflows, and features. - Support production systems and participate in on-call rotations (if applicable). Required Qualifications: - Bachelor’s Degree - Candidates must be based within 1 Hr. commuting proximity to our office in the San Francisco Peninsula - 3–5 years of professional software development experience. - Strong proficiency in Python and familiarity with frameworks such as Django, Flask, or FastAPI. - Experience building RESTful or GraphQL APIs. - Solid understanding of software engineering fundamentals: data structures, algorithms, OOP. - Experience with relational and/or NoSQL databases (e.g., PostgreSQL, MySQL, MongoDB). - Familiarity with version control (Git) and CI/CD pipelines. - Working knowledge of cloud platforms (AWS, GCP, or Azure). - Ability to write unit/integration tests. - Excellent problem-solving and communication skills. Preferred: - Experience with AWS services (Lambda, EC2, DynamoDB, S3, API Gateway, etc.). - Experience with containerization (Docker, Kubernetes). - Data pipeline or ETL experience. - Experience with Terraform for infrastructure as code. - Experience with monitoring and observability tools. - Experience with SAS. - Exposure to Agile/Scrum methodologies. Compensation: - $145k - $155k / year - 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 ## 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 ## Other roles at VantageScore - [Deputy General Counsel](https://feeny.ai/job/deputy-general-counsel-vantagescore-washington-r3kcfwrs5rh5) — Washington, DC - [Office Manager (contract)](https://feeny.ai/job/office-manager-contract-vantagescore-new-york-4brrn0ygj3k9) — New York, NY - [Senior Data Scientist](https://feeny.ai/job/senior-data-scientist-vantagescore-washington-cq1k731fjnm5) — Washington, DC / New York, NY - [Agile Scrum Master / Project Manager](https://feeny.ai/job/agile-scrum-master-project-manager-vantagescore-san-francisco-pwardt05qgxh) — San Francisco, CA - [Speaking Engagements & Sponsorship Manager](https://feeny.ai/job/speaking-engagements-sponsorship-manager-vantagescore-new-york-5a3bg51an7na) — New York, NY - [API Product Manager](https://feeny.ai/job/api-product-manager-vantagescore-san-francisco-5qt7gh1mmzfm) — San Francisco, CA - [Site Reliability Engineer](https://feeny.ai/job/site-reliability-engineer-vantagescore-san-francisco-jmy54d1y4vgk) — San Francisco, CA - [Director of Compliance](https://feeny.ai/job/director-of-compliance-vantagescore-washington-1qd99rw6121e) — Washington, DC - [Software Engineer](https://feeny.ai/job/software-engineer-axle-energy-london-7bqkr3jbpctt) — London, United Kingdom - [Software Engineer](https://feeny.ai/job/software-engineer-blp-digital-ag-cologne-3jhvw80q8y5h) — Cologne, Germany