Data Scientist

Driveway Finance Corporation applies data, statistical modeling, machine learning, and AI to support credit risk analytics and pricing strategy for U.S. vehicle lending and leasing. In this hybrid role based in Tigard, OR, you will help build and validate models and datasets, monitor performance, and explain outcomes to both technical and business partners.

Data Scientist I (hybrid, Tigard, OR) focuses on turning analytical work into practical risk strategies. You will analyze portfolio performance, develop and test credit risk models, and contribute pricing and analytics insights for Lithia and Driveway teams, including , sales, and marketing.

• Analyze U.S. vehicle lending and leasing portfolio performance, identify risk trends, and deliver actionable recommendations.
• Develop and maintain credit risk models, decision rules, risk tiers, and related analytical strategies.
• Test and validate models and credit policies using historical analysis, back-testing, simulations, and appropriate performance measures.
• Build analytical datasets and reporting using Python
  , SQL
  , and relevant cloud or business intelligence platforms.
• Monitor model, policy, and portfolio performance and recommend adjustments as business conditions, customer behavior, or data quality changes.
• Develop and evaluate pricing strategies, including risk-based pricing, profitability analysis, pricing optimization, and measurement of outcomes.
• Support Lithia businesses and functions (including , sales, and marketing) by identifying analytical opportunities, building models and insights, and translating results into business recommendations.
• Partner with credit, finance, operations, product, technology, data engineering, and governance teams to implement analytical solutions.
• Communicate methods, assumptions, limitations, findings, and business impact to technical and non-technical stakeholders.

• Master’s degree in a quantitative field (data science, statistics, mathematics, computer science, engineering, economics, finance, actuarial science, or closely related); advanced degree is an asset.
• 3+ years of relevant experience as a data scientist, including credit risk analytics, statistical modeling, or related quantitative work.
• Hands-on experience developing, testing, or validating statistical or machine learning models using Python
  , R, or similar tools.
• Strong SQL skills with large, complex datasets, including data preparation, reconciliation, and quality assessment.
• Knowledge of model development and validation concepts such as sampling, feature engineering, performance measurement, calibration, stability testing, back-testing, and monitoring.
• Ability to convert analytical results into practical risk strategies and explain technical concepts to business stakeholders.
• Strong written documentation, problem-solving, attention to detail, and time-management skills.
• Ability to collaborate effectively across credit risk, finance, product, operations, compliance, technology, and data teams.

• Python, SQL, R
• Microsoft Azure, Databricks, Spark
• Power BI, Tableau

• Location:
  
  Tigard, OR (hybrid). 3 days in office, 2 days from home.
• Target hiring range: $60,000 - $85,000 per year.
• Actual compensation will be $73,000 - $82,000
  , based on experience, skills, job-related knowledge, and geographic location.
• Final pay decisions are made through the interview process and in accordance with applicable pay equity and transparency laws.

• Competitive pay
• Medical, Dental and Vision Plans
• Paid Holidays
• PTO: 80 hours front-loaded on day 1
• Short and Long-Term Disability
• Paid Life Insurance
• 401(k) Retirement Plan
• Employee Stock Purchase Plan
• Lithia Learning Center
• Vehicle Purchase Discountsowensç n