Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4B people lack access to credit. A vendor in Lagos earns cash daily but can't prove a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Most lending systems spend a lot to guess who will repay—and yet so many who are creditworthy still can’t get a loan.
We built Credit to work differently—to reveal creditworthiness through a borrower’s actual behavior. Since December 2024, Credit has issued hundreds of thousands of loans to over half a million unique borrowers using stablecoins, with decisions and settlement in seconds, no paperwork or collateral required.
Join us in advancing global access to credit.
About The Role
We seek a talented data scientist to expand our data infrastructure and drive insights across our products, including Credit, our leading undercollateralized lending system. You'll design key metrics, develop analytics infrastructure, and transform onchain data into strategic insights that shape product and roadmap decisions.
Stack
- Python
- SQL
- Grafana/Prometheus
- Statistical modeling and visualization tools
- Blockchain data and indexing tools (Dune, Shovel)
Key Responsibilities
- Work with product and research teams to design north star metrics
- Build data pipelines, scalable infrastructure, and dashboards
- Transform key metrics and trends into actionable guidance for product, roadmap, and GTM
- Design and analyze A/B tests and experiments
- Conduct in-depth analyses of user behavior and usage patterns
Requirements
- 4+ years of experience as a Data Scientist or Research Analyst
- Proficiency in Python, SQL, and data analysis tools
- Understanding of EVM-compatible chains, smart contract data, and indexing tools
- Exceptional problem-solving skills, attention to detail, and ability to drive initiatives independently
Nice to have
- Proficiency with Grafana, Dune, or Prometheus
- Experience building large-scale data pipelines and infrastructure
- Strong understanding of DeFi protocol mechanics (lending, yield vaults, ERC4626, etc.)
- Experience with TypeScript and React-based frameworks
Divine Research is an equal opportunity employer.
