Full-Time
Posted on 8/7/2025
Predictive credit risk scoring & analytics
$98k - $154k/yr
Remote in USA
Remote
Candidates must be based in the United States.
FICO provides data analytics and decision management tools that help financial institutions assess credit risk and detect fraud. The company’s primary product, the FICO score, works by transforming consumer credit report data into a numerical value that predicts the likelihood of a borrower repaying a loan. Unlike many competitors, FICO’s scoring system serves as the primary industry standard for consumer lending in the United States, integrated directly into software that manages the entire customer lifecycle. The company’s goal is to provide lenders with the predictive tools necessary to make informed, data-driven decisions regarding account origination, marketing, and risk management.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Jose, California
Founded
1956
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Health Insurance
Flexible Work Hours
Professional Development Budget
Wellness Program
Remote Work Options
Fair Isaac Corporation, creator of the widely used FICO credit scoring system, demonstrates strong financial performance with a 47.5% operating margin. The analytics software company has delivered impressive results, with earnings per share growth of 24.6% annually over the past two years outpacing revenue gains, amplified by share repurchases. SoFi Technologies, the digital financial platform offering lending and banking services, posted a 14.6% operating margin with 31.6% annual revenue growth over two years. Its earnings per share grew 148% annually, significantly outpacing revenue growth and indicating improved profitability. BJ's Restaurants faces challenges with a modest 3.3% operating margin. The casual dining chain has shown disappointing same-store sales and lacks pricing power, resulting in a 14.9% gross margin and 4.5% return on capital.
FICO announced today that it intends to offer, subject to market and certain other conditions, $1.0 billion in aggregate principal amount of Senior Notes...
myFICO, the consumer division of FICO, has launched a new FICO Mortgage Score Simulator to help consumers prepare their credit before applying for mortgages. Available to myFICO Premier subscribers, the tool simulates how different credit actions could impact FICO Score versions most widely used in US mortgage lending. The simulator allows users to explore how common credit behaviours—such as paying bills on time, reducing credit card balances, or applying for new credit—may affect their scores without impacting their actual credit profile. Small changes in credit profiles can significantly influence mortgage eligibility and interest rates, potentially creating substantial savings over a loan's lifetime. The tool aims to provide transparency into mortgage readiness and help consumers make informed financial decisions before applying for home loans.
FICO has partnered with LoanPASS to launch the first batch pricing tool for FICO Score 10T, enabling lenders to price thousands of files simultaneously and compare outcomes between FICO Score 10T and Classic FICO scoring models. LoanPASS was the first Product and Pricing Engine to implement FICO Score 10T for non-conforming mortgage loans. The new batch pricing functionality allows lenders to analyse performance characteristics at scale using trended credit bureau data, which provides a more comprehensive view of consumer credit behaviour over time. Early adopters of FICO Score 10T have seen potential improvements in predictive performance of up to 10% over previous versions. The tool is designed to help lenders make more informed decisions about credit risk and pricing strategies in the mortgage market.
Announcement: Moody's says FICO's $300 million term loan raises leverage but also enhances liquidity<div class="spacer-5"></div><a class="btn-more" href="https://www.moodys.com/page/viewresearchdoc.aspx?docid=PR_456911cid=7QFRKQSZE021" target="_blank" rel="noopener">Read the full article at Moody's</a>