# Senior Applied Scientist, Credit Risk
**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** New York, NY
**Salary:** $166K-$228K
**Experience:** 5+ years
**Skills:** Python, SQL, NumPy, pandas, scikit-learn, PyTorch, Machine Learning, Causal Inference, Statistics, Optimization
**Posted:** 2026-05-11
> Designs, builds, and optimizes ML models for credit risk decisioning and portfolio management. Owns full ML lifecycle including deployment and monitoring, applying stats, causal inference, and economics to business problems. Requires 5+ years experience, strong Python/SQL skills.
## Job Description
## What You'll Do

- Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp
- Own the full applied science development lifecycle, from data exploration and feature development to model prototyping, deployment, monitoring, and iteration
- Investigate and evaluate new data sources, including structured and unstructured data, and integrate them into credit models where appropriate
- Develop backtesting, validation, and monitoring frameworks to evaluate model performance and business impact
- Apply methods from machine learning, statistics, causal inference, optimization, and economics to solve core business problems
- Generate and communicate data-driven insights that influence product, risk, and company strategy
- Partner with product, business, engineering, and data stakeholders to translate ambiguous problems into clear objectives, scoped opportunities, and a practical applied science roadmap
- Contribute to best practices for model development, experimentation, documentation, testing, and production reliability

## What You Need

- **Bachelor’s degree or above** in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields
- **5+ years** of industry experience as an Applied Scientist, Machine Learning Engineer, Research Scientist, or equivalent; or **3+ years** of industry experience with a PhD
- Strong familiarity with the mathematical fundamentals of advanced statistics, machine learning, optimization, and/or economics
- Experience working with large datasets using **Python** and **SQL**
- Strong **Python** experience across exploratory data analysis, predictive modeling, and applied machine learning, using tools such as **NumPy**, **pandas**, **scikit-learn**, **PyTorch**, or similar libraries
- Strong communication: the ability to bridge technical methodology to meaningful data narratives to drive company decisions and strategy
- Track record of shipping high-quality machine learning products in production and at scale
- Ability to thrive in a fast-paced, constantly improving, start-up environment that focuses on solving problems with iterative technical solutions

## Nice-to-Haves

- PhD in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields
- Strong perspective on data science engineering development cycle (data modeling, version control, documentation + testing, best practices for codebase development)
- Familiarity with data orchestration platforms (**Airflow**, **Dagster**, **Prefect**)
- Experience at a high-growth startup
- Experience leveraging **AI/LLMs** for development or for internal workflows
**Apply:** https://hotfix.jobs/jobs/senior-applied-scientist-credit-risk-at-ramp-72f0378d-917d-4e38-b3ec-1cfc417e603f
**Canonical:** https://hotfix.jobs/jobs/senior-applied-scientist-credit-risk-at-ramp-72f0378d-917d-4e38-b3ec-1cfc417e603f