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About the Role
As a Senior Data Scientist on the Open Banking team, you will build the analytical foundation to transform raw bank account data into actionable insights for fraud prevention and underwriting. You will perform feature engineering on cash flows to model affordability, and develop machine learning models for probability of default estimation and fraud scorecards. You will manage the entire model lifecycle, from data to production, collaborating with engineering for scalable operationalization. Additionally, you will monitor model performance and impact through dashboards and partner with Credit Modeling and Fraud teams.
Responsibilities
- Build analytical foundation to turn raw bank account data into reliable, actionable insight for fraud prevention and underwriting decisions.
- Engage in feature engineering across incoming and outgoing cash flows to model affordability.
- Develop machine learning models that estimate probability of default and produce fraud scorecards.
- Own the full lifecycle of models, from raw data through to production deployment.
- Work closely with engineering to operationalize work at scale.
- Help monitor model performance, impact, and acceptance rates through dashboards.
- Partner closely with the Credit Modeling and Fraud teams to align on shared goals and infrastructure.
Requirements
- Experience building and deploying machine learning models end to end, from raw data to production.
- Strong feature engineering skills, ideally with transactional or financial data.
- Proficient in Python and SQL.
- Experience working in AWS environments.
- Solid understanding of classification modeling techniques for risk or fraud use cases.
- Comfortable partnering closely with engineering teams to bring models into production.
- Strong communication skills, with the ability to work cross-functionally with Credit Modeling and Fraud teams.
- A curious, ownership-driven mindset, comfortable building infrastructure and processes from scratch.
Skills
- Python
- SQL
- AWS
- Machine Learning
- Feature Engineering
- Classification Modeling
- Data Analysis
- Model Deployment
- Dashboarding
- Model Monitoring
- Open Banking Data
- Affordability Modeling
- Databricks
- Datadog
- Underwriting
- Credit Risk
- Fraud Detection
Experience Level
- Senior
About the Company
- Curious to learn more about Klarna and what it's like to work here? Explore our career site!