VantageScore®

About the Company

VantageScore empowers financial institutions to make smarter lending decisions.

We deliver innovative credit score models with enhanced predictive performance and risk assessment, helping lenders score 33 million more creditworthy consumers deemed unscorable by legacy models.

Since 2006, VantageScore has led the industry in innovation and inclusion, launching the first credit score commercially available free to consumers. We pioneered the incorporation of rent and utility data, the use of trended credit data, and publishing credit score Reason Codes.

Our models and digital tools are used by all the top 10 U.S. banks, and more than 42 billion VantageScore credit scores were used in 2024, representing a 55% annual increase.

VantageScore is an independently managed joint venture company founded by Equifax, Experian, and TransUnion.

Listed Jobs

Company Name

VantageScore®

Job Title

Data Scientist

Job Description

**Job Title:** Senior Data Scientist (AI/ML/GenAI Specialist) **Role Summary:** Drive innovation in credit scoring models and AI/ML products by developing predictive analytics, leveraging structured/unstructured data, and deploying scalable GenAI/Large Language Models (LLMs) to redefine credit engagement. Focus on financial inclusion, responsible lending, and model accuracy. **Expectations:** Demonstrated expertise in advanced data science, AI/ML, and LLMs with a track record in research-driven solutions. High-performance model development, cross-functional collaboration, and translating technical insights into actionable business outcomes. **Key Responsibilities:** - Design, develop, deploy, and evaluate machine learning models (credit risk, predictive analytics). - Innovate using GenAI/LLMs for data modeling and unstructured data integration. - Conduct pilot program analyses, back-testing, rejection inference, and performance evaluation. - Enhance model monitoring systems and create data visualizations/dashboards for stakeholder communication. - Partner with engineering teams to operationalize models for high-volume production. - Stay current with AI/ML/LLM advancements and apply cutting-edge methodologies. - Translate analytical findings into strategic business recommendations for diverse audiences. - Contribute to industry thought leadership via publications and presentations. **Required Skills:** - Proficiency in Python for data science workflows. - Expertise in machine learning techniques (supervised/unsupervised learning, deep learning). - Advanced knowledge of GenAI/LLM adaptation, tuning, and compliance. - Experience with structured/unstructured data analysis and model explainability. - Strong analytical and statistical modeling abilities. - Cross-functional collaboration and communication skills. - Familiarity with credit scoring domains or financial services preferred. **Required Education & Certifications:** - Master’s or PhD in Data Science, Applied Mathematics, Statistics, Computer Science, Engineering, or related quantitative field. - Minimum 5+ years of professional experience in advanced analytics, AI/ML, or data science in research/corporate environments. - Proven hands-on project experience with machine learning and LLM implementations.

Baltimore, United states

On site

28-01-2026