About Petal and Prism Data
Prism Data is leading the future of cash flow underwriting, which directly addresses the problems faced by millions of Americans who cannot access fairly priced, mainstream credit products through legacy (credit report-based) underwriting. Prism’s infrastructure and API platform analyzes and risk-scores consumers based upon their banking transactional data - enabling banks, fintech lenders, insurers, and others to have a more holistic, real-time view in how consumers earn, save, and spend - so they can serve more customers, build better products, and make smarter risk-based decisions.
Prism was launched in 2021 by Petal, which pioneered the use of automated cash flow underwriting in consumer credit over 6 years ago, as a means of providing consumers, especially those underserved by the mainstream financial system, access to safe and affordable credit.
Prism has emerged from its successful 2021 private beta. We're building out our first "core team" to commercialize the solution and expand access to businesses broadly.
We're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. We welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.
The Lead Data Scientist role
We are working on revolutionizing credit through usage of personal cash flow in underwriting. Achieving this objective requires best in class models that are continuously being improved making the data science function critical for this mission. These models will support our risk underwriting, acquisition and customer management teams. These models will allow our clients to improve their underwriting, acquisition, and customer management processes.
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