Acima
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Data Scientist-Credit Risk Analytics
role at
Acima Join to apply for the
Data Scientist-Credit Risk Analytics
role at
Acima DATA SCIENTIST-CREDIT RISK ANALYTICS
(Draper Utah, In-Office)
(No Sponsorship)
Upbound Group, Inc. (NASDAQ: UPBD) is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved customers. The Companys customer-facing operating units include industry-leading brands such as
Acima, Brigit, and Rent-A-Center
that facilitate consumer transactions across a wide range of store-based and digital channels, including over 2,300 company branded retail units across the United States, Mexico, and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas.
Job Purpose
Were expanding our Risk Analytics team and ARE seeking a
Data Scientist
specializing in credit risk modeling and portfolio analytics. In this role, youll leverage advanced analytics, machine learning, and statistical modeling to assess risk, optimize underwriting, and drive portfolio performance. Youll collaborate closely with risk, product, and data science teams to design proactive solutions, monitor credit health, and deliver insights that influence key business decisions. The work you do will have an immediate and lasting impact on customer accessibility, portfolio profitability, and Acimas long-term growth.
Key Responsibilities
Develop, validate, and deploy credit risk strategies (underwriting, scorecards, loss forecasting) using Python and ML frameworks (Scikit-learn, XGBoost, etc.). Engineer and optimize credit risk features (e.g., payment behavior, utilization patterns, external credit bureau data). Monitor portfolio performance trends and build dashboards to assess delinquency, loss rates, and risk-adjusted returns. Partner with Risk leadership to design policies balancing credit growth, customer access, and portfolio stability. Share data-driven insights with senior leadership to shape credit risk strategy. Support stress testing, risk segmentation, and scenario analysis to inform decision-making.
Required Qualifications
Bachelors or advanced degree in Data Science, Mathematics, Computer Science, Statistics, Economics, or related field 5+ years experience programming in Python (NumPy, Pandas, Scikit-learn, XGBoost) 2+ years experience with SQL Experience in credit risk analytics, underwriting, or portfolio management Strong ability to balance growth, risk exposure, and profitability Excellent problem-solving and independent work skills
Preferred Qualifications
Experience with credit bureau data (e.g., Equifax, Experian, TransUnion) Understanding of credit lifecycle processes (originations, collections, recovery, loss forecasting) Knowledge of credit risk modeling techniques (scorecards, logistic regression, machine learning) Familiarity with regulatory and compliance considerations in credit decisioning Masters degree or higher in a quantitative discipline
Compensation/Benefits
Full health benefits-Medical/Dental/Vision 401(k) match, 6%/3% DTO (discretionary time off) Health savings account (HSA) with company contribution College tuition reimbursement program (STEAM degrees) Unlimited use of Linkedin Learning Free car charging Onsite gym and showers
Upbound is an equal opportunity employer committed to ensuring that all employment decisions are made on a non-discriminatory basis, and without regard to actual or perceived race.
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Mid-Senior level Employment type
Employment type
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Engineering and Information Technology Referrals increase your chances of interviewing at Acima by 2x Sign in to set job alerts for Data Scientist roles.
Sr. Staff Data Scientist, Machine Learning
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Data Scientist-Credit Risk Analytics
role at
Acima Join to apply for the
Data Scientist-Credit Risk Analytics
role at
Acima DATA SCIENTIST-CREDIT RISK ANALYTICS
(Draper Utah, In-Office)
(No Sponsorship)
Upbound Group, Inc. (NASDAQ: UPBD) is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved customers. The Companys customer-facing operating units include industry-leading brands such as
Acima, Brigit, and Rent-A-Center
that facilitate consumer transactions across a wide range of store-based and digital channels, including over 2,300 company branded retail units across the United States, Mexico, and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas.
Job Purpose
Were expanding our Risk Analytics team and ARE seeking a
Data Scientist
specializing in credit risk modeling and portfolio analytics. In this role, youll leverage advanced analytics, machine learning, and statistical modeling to assess risk, optimize underwriting, and drive portfolio performance. Youll collaborate closely with risk, product, and data science teams to design proactive solutions, monitor credit health, and deliver insights that influence key business decisions. The work you do will have an immediate and lasting impact on customer accessibility, portfolio profitability, and Acimas long-term growth.
Key Responsibilities
Develop, validate, and deploy credit risk strategies (underwriting, scorecards, loss forecasting) using Python and ML frameworks (Scikit-learn, XGBoost, etc.). Engineer and optimize credit risk features (e.g., payment behavior, utilization patterns, external credit bureau data). Monitor portfolio performance trends and build dashboards to assess delinquency, loss rates, and risk-adjusted returns. Partner with Risk leadership to design policies balancing credit growth, customer access, and portfolio stability. Share data-driven insights with senior leadership to shape credit risk strategy. Support stress testing, risk segmentation, and scenario analysis to inform decision-making.
Required Qualifications
Bachelors or advanced degree in Data Science, Mathematics, Computer Science, Statistics, Economics, or related field 5+ years experience programming in Python (NumPy, Pandas, Scikit-learn, XGBoost) 2+ years experience with SQL Experience in credit risk analytics, underwriting, or portfolio management Strong ability to balance growth, risk exposure, and profitability Excellent problem-solving and independent work skills
Preferred Qualifications
Experience with credit bureau data (e.g., Equifax, Experian, TransUnion) Understanding of credit lifecycle processes (originations, collections, recovery, loss forecasting) Knowledge of credit risk modeling techniques (scorecards, logistic regression, machine learning) Familiarity with regulatory and compliance considerations in credit decisioning Masters degree or higher in a quantitative discipline
Compensation/Benefits
Full health benefits-Medical/Dental/Vision 401(k) match, 6%/3% DTO (discretionary time off) Health savings account (HSA) with company contribution College tuition reimbursement program (STEAM degrees) Unlimited use of Linkedin Learning Free car charging Onsite gym and showers
Upbound is an equal opportunity employer committed to ensuring that all employment decisions are made on a non-discriminatory basis, and without regard to actual or perceived race.
Seniority level
Seniority level
Mid-Senior level Employment type
Employment type
Full-time Job function
Job function
Engineering and Information Technology Referrals increase your chances of interviewing at Acima by 2x Sign in to set job alerts for Data Scientist roles.
Sr. Staff Data Scientist, Machine Learning
Salt Lake City, UT $210,000.00-$280,000.00 4 days ago Lehi, UT $150,000.00-$200,000.00 2 weeks ago Salt Lake City, UT $75,900.00-$142,185.00 1 month ago Lehi, UT $128,600.00-$234,200.00 1 week ago Salt Lake City, UT $25.00-$40.00 2 months ago Murray, UT $137,439.00-$167,981.00 2 weeks ago Salt Lake City, UT $120,000.00-$150,250.00 1 week ago Salt Lake City Metropolitan Area $99,461.00-$128,329.00 2 days ago Salt Lake City, UT $47,600.00-$90,400.00 3 days ago American Fork, UT $130,000.00-$220,000.00 1 week ago Applied AI Engineer & Researcher - Salt Lake City, USA
Salt Lake City, UT $140,000.00-$200,000.00 3 weeks ago AI Engineer & Researcher, Inference - Salt Lake City, USA
Salt Lake City, UT $140,000.00-$200,000.00 3 weeks ago Lehi, UT $140,000.00-$227,000.00 2 weeks ago Salt Lake City, UT $130,000.00-$220,000.00 1 week ago Were unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI. #J-18808-Ljbffr