About the Role We are looking for a Data Scientist – Credit Analytics to build, analyze, and optimize credit risk models that support Electrum’s financing, rent-to-own, and partner credit programs.

In this role, you will work closely with Risk, Finance, Product, and Operations teams to translate data into actionable insights that drive better credit decisions, portfolio performance, and customer outcomes.

You will play a key role in developing data-driven frameworks for credit scoring, approval, monitoring, and loss mitigation across Electrum’s ecosystem.

What You Will Do Credit Modeling & Analytics Develop and maintain credit scoring models , risk segmentation, and decision frameworks.

Analyze customer, transaction, and behavioral data to assess creditworthiness and default risk.

Build and validate predictive models for approval rate, delinquency, default, and recovery.

Monitor portfolio performance m...