Senior Data Scientist, Predictive Modeling, Credit & Risk

At Carvana, we’re changing the way people buy and sell cars. With an ambitious vision and a fundamentally different approach designed to be fun, fast, and fair, Carvana became the fastest-growing automotive retailer in history. We expanded nationally, went public on the New York Stock Exchange, sold our 1 millionth car, and reached the Fortune 500, all in just eight years.

Today, with 4 million retail customers and counting, Carvana is both the fastest-growing and the most profitable public automotive retailer, and we’re just getting started. We continue to raise the bar for our customers as we tackle the enormous opportunity still ahead in the largest consumer vertical.

Working here means being part of a team that embraces change, celebrates creative problem solving, and always strives to be better. At Carvana, you’ll have the opportunity to take on meaningful challenges, learn quickly, and help shape the future of automotive retail. If you’re driven to grow and make an impact as part of a collaborative team, you’ll fit right in. Learn more about what it’s like to work here from the people that already do.

About the Role

This role sits within Carvana’s Credit & Risk modeling space, working on high-impact predictive models that inform risk assessment and decisioning across the business.

We are looking for a senior individual contributor who will help advance the technical capabilities of our core credit and risk models by developing, validating, and productionizing new modeling techniques and data signals.

Success in this role comes from steady, compounding improvement—introducing new ideas pragmatically, proving value early, and iterating toward more sophisticated approaches over time. While the work will focus on flagship credit and risk models, successful techniques and signals are expected to scale outward to other models and teams through shared workflows and modeling infrastructure.

This role is well suited for someone who operates comfortably at the intersection of advanced modeling and real-world delivery to balance tradeoffs between complexity and business objectives.

Work Model: This is a 100% on-site role at our Tempe office, Monday through Friday.

Over time, success in this role is reflected by:

Legal Stuff

Hiring is contingent on passing a complete background check. This role is eligible for visa sponsorship.

Carvana is an equal employment opportunity employer. All applicants receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, marital status, national origin, age, mental or physical disability, protected veteran status, or genetic information, or any other basis protected by applicable law. Carvana also prohibits harassment of applicants or employees based on any of these protected categories.

Please note this job description is not designed to contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

If would also be great if you had

Notes on Experience

Research experience is a plus only if paired with a strong bias toward delivery and production impact.

• Full-Time Salary Position with a competitive salary.

• Medical, Dental, and Vision benefits.

• 401K with company match.

• A multitude of perks including student loan payments, discounts on vehicles, benefits for your pets, and much more.

• A great wellness program to keep you healthy and happy both physically and mentally.

• Access to opportunities to expand your skill set and share your knowledge with others across the organization.

• A company culture of promotions from within, with a start-up atmosphere allowing for varied and rapid career development.

• A seat in one of the fastest-growing companies in the country.