Decision Scientist
Mission Mobile|Posted 16 days ago
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Skills and experience
Location and salary
Role description
We're looking for a Decision Scientist to sit at the core of how we make money and manage risk. This is not a pure research role—it's applied, commercial, and tightly linked to business performance. You'll be responsible for building, testing, and improving the logic that drives approvals, pricing, limits, and collections, working across credit, product, and growth teams to continuously optimize outcomes using data. In this role, you'll design and optimize approval strategies, build affordability and risk logic using bank statement data and behavioral signals, and own segmentation frameworks for risk tiers and customer cohorts. You'll run structured A/B tests on approval criteria, pricing, deposit requirements, and product structures, analyzing impact on conversion, default rates, and unit economics. You'll also track critical metrics like approval rates, early delinquency, and cohort performance, building dashboards for leadership and identifying system weaknesses. Working closely with ML and engineering teams, you'll translate model outputs into real-world decision rules and ensure models are production-ready. We're seeking someone with 3–7 years of experience in fintech, lending, or data science in a commercial environment, with strong analytical skills in SQL and Python. You should have solid understanding of credit risk, unit economics, and A/B testing, plus experience working on decision systems covering approvals, pricing, fraud, or collections. Most importantly, you're a commercial thinker who's obsessed with outcomes—profitability, growth, and loss reduction—and you're comfortable making decisions with imperfect data and moving fast. Success in this role is measured by improved approval-to-conversion rates, reduced bad debt, increased profitability per customer, and the speed and quality of your decision iterations.
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About Mission Mobile
Mission
Provide a high-quality, seamless onramp to financial mobility.
What we do
Mission Mobile leverages next-gen technology to underwrite credit and rental applicants, delivering tailored handset offerings that suit their needs. We're a product, engineering, and data science business, constantly innovating to improve people's financial lives. With a strong focus on distribution, we meet customers where they are—whether at the point of purchase or through partnerships with major network operators and retailers.
What excites us...
- Quick learner who loves problem solving
- Relentless user focus
- Strong collaborators and great communicators
- Impact driven. Our work effects a base of users who rely on us
What excites you...
- Working in a startup environment
- Software scalability and best practices
- Being on the cutting edge
- Providing input into the product roadmap for a company
- Diving into problems proactively and figuring out a path forward
Our Culture
Our culture is guided by our operating values listed below
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Ask Why: Never settle for assumptions. Always question, dig deeper, and reason from first principles. Curiosity fuels innovation and helps us make impactful decisions.
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Be Relentless: Breakthroughs often come from relentless effort and perseverance. Stay committed, even when the path is tough, knowing that persistence is key to achieving the extraordinary.
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Master Your Craft: At Mission Mobile, we strive for excellence. This is where people come to do the best work of their lives, a time to push boundaries, hone their skills, and elevate their craft.
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Team Flow: Like a top-tier sports team, there’s a rhythm and beauty in a well-coordinated, high-performing unit. Foster respect, set high expectations, and support each other to achieve more together than we could alone.
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Take It In: While we push for high performance, we believe in appreciating the journey. Celebrate victories, reflect on challenges, and find joy in the process as we work towards our goals
Our Hiring Process
- Initial Screening (Outbound/Inbound) - quick assessment to evaluate the candidate’s basic qualifications, alignment with company values, and potential fit for the role.
- Team Lead + Team Member Interview - The team lead, along with another team member, conducts an interview to assess the candidate’s technical knowledge, collaboration skills, and ability to fit into the team dynamic.
- Technical Task (Product Jam Session/Coding Task) - A hands-on task where candidates showcase your problem-solving skills and technical expertise. This could be a product brainstorming session or an in-person coding challenge.
- Founder Interview - The final interview with the founder to assess cultural fit, passion, and alignment with the company’s vision.
Tech Stack
business tool
application and data
dev ops
