Full-Time
Agile Scrum Master / Project Manager
Data & Tech Team
Updated on 9/4/2026
VantageScore
11-50 employees
Credit scoring models for lending decisions
Compensation Overview
$165k - $190k/yr
South San Francisco, CA, USA
Hybrid
Three days onsite per week required; candidates must live within approximately one hour of the office.
Bachelor's
 Project & Program Management |
|---|
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- A bachelor's degree in Business, Computer Science, Information Systems, or a related field.
- At least 5 years of professional experience as a Scrum Master, Agile Coach, or Project Manager, ideally in a software, technology, or fintech environment.
- Demonstrated expertise facilitating Agile ceremonies and applying Scrum, Kanban, or hybrid Agile frameworks.
- Strong experience with project and Agile management tools such as Jira and Confluence or equivalent tools.
- Hands-on experience managing project scope, schedule, budget, and risk for cross-functional initiatives.
- Proficiency developing and tracking Agile metrics such as velocity, burndown, and cycle time and translating them into actionable insights.
- Experience partnering with Product Owners on backlog refinement, story writing, and prioritization.
- A solid understanding of software development lifecycles and how Agile practices intersect with release and deployment planning.
- Familiarity with change management and stakeholder communication practices for technical and non-technical audiences.
- Strong facilitation, conflict-resolution, and coaching skills, with the ability to influence without direct authority.
- Excellent written and verbal communication skills and the ability to translate project risk and status for leadership stakeholders.
- Ability to build reporting and dashboarding practices, including status reports, burndown charts, Gantt charts, and roadmaps.
- Facilitate core Scrum ceremonies, including sprint planning, stand-ups, sprint reviews, and retrospectives.
- Own end-to-end project planning and execution, including scope definition, timeline management, team member allocation, and risk tracking across concurrent initiatives.
- Serve as a facilitator and Agile advocate for product teams, promoting Agile/Scrum principles, self-organization, and continuous improvement.
- Identify, track, and proactively remove impediments and blockers affecting team velocity or delivery timelines.
- Maintain and refine the product backlog with Product Owners and cross-department representatives, ensuring user stories are well-defined, estimated, and prioritized.
- Track and report sprint and project metrics, including velocity, burndown or burnup, cycle time, and throughput, to provide progress visibility and identify trends.
- Collaborate with Product and Engineering leads to align scope, dependencies, and delivery timelines across teams.
- Manage project communications, including status updates, executive summaries, and stakeholder briefings, for technical and non-technical audiences.
- Facilitate cross-team dependency management and coordination for multi-team or multi-quarter initiatives.
- Lead post-incident and post-project retrospectives and produce reports on lessons learned, risks, and process improvement opportunities for leadership.
- Maintain documentation of project plans, sprint artifacts, logs, and process guidelines.
- Champion continuous improvement, psychological safety, and accountability within teams.
- Certified Scrum Master, Professional Scrum Master, or PMI Agile Certified Practitioner certification.
- Project Management Professional certification.
- Experience scaling Agile practices across multiple teams using frameworks such as SAFe, LeSS, or Scrum of Scrums.
- Familiarity with software engineering concepts, CI/CD pipelines, and cloud environments sufficient to engage credibly with engineering teams.
- Experience managing programs with regulatory, security, or compliance dependencies.
- Exposure to portfolio and roadmap planning tools.
- Experience running distributed or hybrid teams across multiple time zones.
- Background in change management or organizational transformation initiatives.
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
- Reuters reported September 3 2026: Fannie and Freddie now approve all lenders immediately.
- VantageScore says 3,700 institutions and nine top-ten banks use its scores in 2026.
- CreditGauge July 2026 showed easing delinquencies, strengthening lender appetite for VantageScore analytics.
What critics are saying
- FICO still dominates consumer awareness, keeping VantageScore dependent on lender conversions through 2027.
- Bill Pulte criticized credit bureaus on September 3 2026, exposing political scrutiny over ownership.
- If mortgage adoption stalls, joint-venture economics collapse, leaving Equifax, Experian, and TransUnion exposed.
What makes VantageScore unique
- VantageScore 5.0, launched July 8 2026, trains on post-pandemic tri-bureau credit behavior.
- Its GAIN attributes and trended data score 33 million more consumers than legacy models.
- FHFA ordered full VantageScore 4.0 access on September 4 2026 for all lenders.
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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.