Contract
Software Engineer
VantageScore
11-50 employees
Credit scoring models for lending decisions
Compensation Overview
$70 - $80/hr
San Francisco, CA, USA
In Person
Within 1 hour commuting distance to the San Francisco Peninsula office.
Bachelor's
 Software Engineering |
|---|
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- Bachelor’s Degree
- Candidates must be based within 1 Hr. commuting proximity to our office in the San Francisco Peninsula
- 3–5 years of professional software development experience
- Strong proficiency in Python and familiarity with frameworks such as Django, Flask, or FastAPI
- Experience building RESTful or GraphQL APIs
- Solid understanding of software engineering fundamentals: data structures, algorithms, OOP
- Experience with relational and/or NoSQL databases (e.g., PostgreSQL, MySQL, MongoDB)
- Familiarity with version control (Git) and CI/CD pipelines
- Working knowledge of cloud platforms (AWS, GCP, or Azure)
- Ability to write unit/integration tests
- Excellent problem-solving and communication skills
- Design, develop, and maintain backend services, APIs, and data pipelines using Python
- Migrate and convert existing SAS code to Python, ensuring functionality and performance parity
- Collaborate with product managers, designers, and fellow engineers to define requirements and deliver solutions
- Write clean, maintainable, and well-tested code
- Participate in code reviews and provide constructive feedback
- Debug, troubleshoot, and improve application performance and reliability
- Contribute to architectural discussions and implementation strategies
- Help automate workflows and improve development processes
- Maintain documentation of systems, workflows, and features
- Support production systems and participate in on-call rotations (if applicable)
- Experience with AWS services (Lambda, EC2, DynamoDB, S3, API Gateway, etc.)
- Experience with containerization (Docker, Kubernetes)
- Data pipeline or ETL experience
- Experience with Terraform for infrastructure as code
- Experience with monitoring and observability tools
- Experience with SAS
- Exposure to Agile/Scrum methodologies
VantageScore Solutions develops credit scoring models used by lenders to assess consumer credit risk. The scores come from credit data across Equifax, Experian, and TransUnion and are provided for hundreds of millions of adults who might be overlooked by mainstream lenders. The models, refined since 2006, emphasize consistent performance and better predictiveness across a wide range of credit histories. The goal is to give lenders a reliable measure of risk to make lending decisions and to improve access to credit for borrowers.
Company Size
11-50
Company Stage
N/A
Total Funding
N/A
Headquarters
Stamford, Connecticut
Founded
2006
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See people who can refer or advise you
Simplify's Take
What believers are saying
- Rocket Mortgage adopted VantageScore 4.0 for mortgages in June 2026.
- VantageScore RiskRatio launched April 10, 2026, widening product usage beyond scoring.
- 2024 usage reached 42 billion scores, up 55%, signaling accelerating penetration.
What critics are saying
- FICO 10T now competes inside FHA and GSE underwriting, crushing exclusivity.
- Lenders can use VantageScore only as a bargaining chip, not a primary standard.
- If mortgage adoption stalls in 2026, VantageScore remains a bureau-side pricing tool, not software.
What makes VantageScore unique
- Equifax, Experian, and TransUnion own VantageScore, giving unmatched tri-bureau distribution.
- VantageScore 4.0 gained FHFA and FHA mortgage acceptance on April 22, 2026.
- VantageScore 5.0 uses post-pandemic data and GAIN attributes for stronger segmentation.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Wellness Program
401(k) Retirement Plan
401(k) Company Match
Paid Holidays
Company News
VantageScore has launched its 5.0 credit score model, the only nationwide tri-bureau system trained on post-pandemic consumer data. The new model uses patent-pending attributes to deliver up to 9% enhanced predictive performance for auto loans and unsecured loans compared to VantageScore 3.0. The model offers improved risk segmentation and reduced credit score volatility. It is optimised for unsecured lending and auto loans, incorporating proprietary GAIN attributes that capture real-time credit behaviour and historical trends. Early adopter Patelco Credit Union reported meaningful improvements in predictive performance, particularly among underserved populations. VantageScore positions the model as superior to competitors like FICO Classic and FICO 10T, emphasising its foundation in post-pandemic credit behaviour data.
MyFreeScoreNow has integrated VantageScore 4.0 into its platform, enabling real estate brokers and mortgage lenders to provide clients with immediate online access to credit scores. The platform aims to help professionals engage buyers earlier in the homebuying process and convert more opportunities into closed deals. VantageScore 4.0 uses an advanced scoring model that evaluates credit behaviour over time and incorporates non-traditional credit data such as rent and utility payments. The model can score consumers without Social Security numbers, expanding access to millions of ITIN-holding households previously underserved in mortgage markets. The scoring model is accepted by Fannie Mae, Freddie Mac, the Federal Housing Administration and Department of Veterans Affairs. MyFreeScoreNow has raised $295 million to date.
The Federal Housing Finance Agency and Federal Housing Administration have announced full implementation of VantageScore 4.0 credit scoring across the US government-sponsored mortgage sector. Fannie Mae and Freddie Mac are now accepting VantageScore 4.0 for mortgage loans from all approved lenders, whilst FHA has also approved the model for its loans. The implementation follows FHFA's July 2025 approval and is expected to reduce costs for consumers and lenders by up to $1 billion in the first year through increased competition. VantageScore 4.0 uses trended credit data and advanced analytics, scoring 33 million more people than traditional models. Over 80% of FHA-insured mortgages went to first-time homebuyers in 2024, highlighting the potential impact on housing access for creditworthy Americans.
New VantageScore RiskRatio(TM) digital release enables mortgage lenders, auto lenders and ABS investors to strengthen Consumer Credit risk benchmarking. Published April 10, 2026 * RiskRatio(TM) Delivers Dynamic Benchmarking Across Time Periods, Credit Products and VantageScore Bands * Expanded Risk Metrics with Earlier and Deeper Visibility into Aggregate Consumer Credit Performance SAN FRANCISCO - April 10, 2026 - VantageScore today announced a significant new release for VantageScore RiskRatio(TM), the credit risk analytics tool designed to help mortgage, auto lenders and ABS investors benchmark, compare and act on consumer credit default risk. VantageScore's suite of open-access digital tools provides users with interactive credit insights across models, industries and lifecycle stages. In addition to RiskRatio(TM) and CreditGauge(TM), the suite includes Inclusion360(R) which uncovers underserved consumers by geographic market, and MarketGain(TM), which quantifies the expanded addressable market available through VantageScore credit score adoption. RiskRatio has become an essential tool for mortgage lenders, auto lenders and ABS investors looking to move beyond static views of credit risk," said Susan Fahy, Executive Vice President and Chief Digital, Data and Technology Officer at VantageScore. "With these enhancements, VantageScore Solutions, LLC. is providing deeper benchmarking, expanded performance metrics and more timely insights, so institutions can identify emerging risks earlier and respond with greater confidence. Key enhancements to RiskRatio(TM) include: DYNAMIC BENCHMARKING ACROSS TIME PERIODS, CREDIT PRODUCTS AND SCORE BANDS: RiskRatio enables comparisons to credit performance across up to 30 time periods, including pre-pandemic, pandemic and Great Recession environments. With expanded segmentation across products, such as HELOCs, HELOANs and First Mortgages, auto loans and multiple analytical views across vintages, VantageScore bands and lifecycle stages, lenders can better align strategies to real-world performance and evolving market conditions in comparison to competitors' more limited, single-view approaches. EXPANDED RISK METRICS AND VISIBILITY INTO CONSUMER CREDIT PERFORMANCE: RiskRatio expands beyond traditional delinquency measures by incorporating a broader range of performance indicators, including 30+, 60+, 90+ and 120+ days past due, as well as charge-offs and bankruptcies. RiskRatio's flexible performance windows (6, 12 and 24 months) allow the assessment of both near-term and long-term risk dynamics, identifying emerging credit deterioration sooner and helping lenders adjust strategies proactively. MORE TIMELY AND ACTIONABLE INSIGHTS: VantageScore's comprehensive suite of digital tools, including RiskRatio, contains the most up-to-date and granular consumer credit scoring data available to the market. For example, CreditGauge(TM) provides monthly updates on U.S. consumer credit health, enabling lenders to contextualize portfolio performance within broader market trends. Together, these tools allow users to move from static snapshots to dynamic, comparative analysis that supports faster, data-driven decision-making. To explore the latest insights from RiskRatio Powered by VantageScore(R), please visit https://www.vantagescore.com/lenders/risk-ratio/. About VantageScore(R) VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry's most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending. VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion. Media Contact Ola Fadahunsi, VantageScore [email protected] +1 (415) 740-2559
Experian has enhanced its Connect API platform to offer VantageScore 4.0 for rental screening, enabling property managers, landlords and screening providers to use the modern credit scoring model when evaluating prospective renters. Zillow is amongst the platforms now using VantageScore 4.0 through the platform. The enhancement follows the Federal Housing Finance Agency's recent approval of VantageScore 4.0 for mortgage decisions, creating greater consistency across the housing journey. VantageScore 4.0 combines trended credit data with machine learning and can score approximately 33 million consumers who may have been unscoreable under older models. The model uses trended credit data, rental payment history and alternative data to reflect consumers' financial behaviours across 24 months, offering greater accuracy and more inclusive scoring for renters with thin credit files.