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

Company Name

VantageScore®

Job Title

Senior Marketing Specialist

Job Description

**Job Title:** Senior Marketing Specialist **Role Summary:** Data‑driven marketing professional responsible for expanding adoption of credit scoring models and analytics solutions within the financial services and fintech ecosystem. Leverages business development and product marketing expertise to identify growth opportunities, execute go‑to‑market strategies, and drive lead generation through digital campaigns. **Expectations:** - Accelerate market adoption of credit scoring products. - Deliver actionable market insights and competitive intelligence. - Execute high‑impact digital marketing and lead‑generation programs. - Build and manage strategic partnerships and business development plans. - Collaborate across product, data, legal, and sales teams. **Key Responsibilities:** - Research and prioritize market segments, customer needs, and competitive landscape. - Design, launch, and optimize digital marketing campaigns focused on lead generation and product positioning. - Synthesize data from CRM, BI tools, and market intel into clear recommendations. - Develop and manage business development initiatives, including partner outreach and relationship management. - Maintain accurate records in Salesforce (or equivalent CRM) and generate performance dashboards using Tableau, Power BI, or similar. - Produce compelling written and verbal communications (e.g., pitch decks, product briefs, thought‑leadership content). - Coordinate cross‑functional projects with product, data, legal, and sales stakeholders to ensure alignment and timely execution. **Required Skills:** - ≥5 years experience in business development, partnerships, or product marketing within fintech, credit, lending, or broader financial services. - Proven success running digital marketing campaigns for lead generation. - Strong knowledge of consumer lending products (credit cards, auto, mortgage, personal loans). - Advanced analytical and research abilities; skilled at turning data into actionable insights. - Proficiency with CRM systems (e.g., Salesforce) and basic BI platforms (Tableau, Power BI). - Excellent written and verbal communication; ability to craft clear, persuasive messages. - Self‑starter, organized, collaborative, with a problem‑solving mindset at the intersection of data, innovation, and financial inclusion. **Required Education & Certifications:** - Bachelor’s degree in business, marketing, finance, economics, or a related field (required). - MBA or advanced degree in business, finance, economics, or related discipline (preferred, not required). - No specific certifications mandated.

New york, United states

Hybrid

Senior

17-02-2026

Company Name

VantageScore®

Job Title

Software Engineer

Job Description

**Job title:** Software Engineer (Mid‑Level) **Role Summary:** Mid‑level Python Software Engineer responsible for designing, building, and maintaining scalable backend services, APIs, and data pipelines. Convert legacy SAS code to Python, collaborate with product and design teams, write clean and testable code, participate in architectural discussions, automate workflows, and support production environments, including on‑call duties. **Expectations:** • 3–5 years of professional software development experience. • Strong proficiency in Python and experience with Django, Flask, or FastAPI. • Ability to develop RESTful or GraphQL APIs. • Solid understanding of data structures, algorithms, and object‑oriented design. • Experience with relational (PostgreSQL/MySQL) and/or NoSQL (MongoDB) databases. • Familiarity with Git, CI/CD pipelines, and cloud platforms (AWS, GCP, or Azure). • Ability to write unit and integration tests. • Excellent problem‑solving, communication, and teamwork skills. **Key Responsibilities:** - Design, develop, and maintain backend services, APIs, and data pipelines using Python. - Migrate and convert existing SAS code to Python, ensuring functional and performance parity. - Collaborate with product managers, designers, and engineers to define requirements and deliver solutions. - Write clean, maintainable, well‑documented, and well‑tested code. - Conduct code reviews, provide constructive feedback, and enforce coding standards. - Debug, troubleshoot, and optimize application performance and reliability. - Contribute to architectural discussions and implementation strategies. - Automate workflows, improve development processes, and maintain system documentation. - Support production systems and participate in on‑call rotations as required. **Required Skills:** - Python programming, including Django/Flask/FastAPI. - API development (RESTful/GraphQL). - Relational and/or NoSQL database experience (PostgreSQL, MySQL, MongoDB). - Git version control and CI/CD pipeline knowledge. - Cloud platform experience (AWS, GCP, or Azure). - Unit and integration testing. - Strong problem‑solving, debugging, and communication skills. **Required Education & Certifications:** Bachelor’s degree in Computer Science, Software Engineering, or related field.

San francisco, United states

Remote

Junior

17-02-2026