Senior Data Scientist, Predictive Modeling, Credit & Risk at Carvana

About the Role

Carvana is seeking a Credit & Risk Modeler to join our team and advance the technical capabilities of our core credit and risk models. This role involves developing, validating, and productionizing new modeling techniques and data signals to inform risk assessment and decisioning across the business.

Key Responsibilities

• →Improve core credit and risk models through incremental advancements in accuracy, robustness, and coverage over time.
• →Leverage structured and unstructured data sources to drive improvements in model accuracy and decision quality.
• →Design, train, and deploy advanced machine learning models including gradient boosting, representation learning, embeddings, and transformer-based approaches.
• →Build and apply rigorous evaluation frameworks to guide iteration and decision-making.
• →Partner with data engineering and platform teams to ensure models are production-ready and scalable.
• →Translate successful work into reusable patterns and signals for adoption across other modeling efforts.
• →Serve as a technical leader through design reviews, code reviews, and informal mentorship.