About RDC.AI
What started in 2016 with five people and two chairs has become a global force transforming how banks lend, grow, and protect their portfolios. RDC.AI helps business and commercial bankers know more, do more, and grow more by turning complex data into actionable intelligence. Our platform uniquely combines predictive and agentic AI to deliver transparent, explainable insights across the entire lending lifecycle from origination to monitoring. With built-in AI assistants and clear rationales for every recommendation, we empower banks across the globe to make confident decisions faster, launch innovative products, and generate tens of millions of dollars in measurable value. We're not just building AI - we're pioneering the future of intelligent banking, where every decision is explainable, every insight is actionable, and every outcome drives real impact.
Join the AI Revolution
Award-Winning Innovation
- Winner: The Digital Banker's 2025 Global AI Innovation Awards (Best AI-Powered Platform)
- Two-time finalist: American Chamber of Commerce Alliance Awards (Advanced Capabilities category)
Cutting-Edge Technology
- Building agentic AI solutions that solve real world banking problems
- We are live in major banks, making millions of decisions, generating tens of millions in value
- Highest security accreditations: SOC2 Type 2 and ISO 27001 certified
5-Star Employer Experience
- Named "Best Companies to Work For" by HRD Australia (2023)
- High-performance teams working alongside industry-leading data scientists and credit experts
- Vibrant, innovative culture that celebrates wins and solves complex problems together
Global Impact & Growth
- Fast-expanding presence across Australia, New Zealand, and North America
- Helping drive financial inclusion through fair, accessible, sustainable credit
- Opportunity to gain AI expertise and international experience in a rapidly growing market
Work-Life Excellence
- Flexible working arrangements - work how's right for you
- Collaborative, agile environment where your contributions matter
- Be part of a mission that's transforming financial services globally
RDC.AI North America offers:
- Competitive benefits package (80% of premiums paid by RDC.ai)
- 12 paid holidays
- 20 days PTO per year + 5 paid personal or sick days per year
- Paid Maternity/Paternity leave
Ready to shape the future of intelligent banking? Join us.
About the Role
RDC.AI is a cloud native AI Decisioning company and the Data Science function is key to our organizational success. As we look to expand in North America, we are looking for a Senior Data Scientist to join our North America team. A Sr Data Scientist will work closely with our customers on developing AI/ML based solutions to solve complex credit-based decisions in the Business and Commercial lending space. Key responsibilities will include:
- Design, present & document AI-based initiatives to our clients, typically banking and risk executives.
- Develop use cases for clients with clear objectives and success criteria, matching our AI platform capabilities and client needs.
- Assist in developing data processing solutions and machine learning models to address the business objectives of our clients using RDC.AI platform.
- Assist in developing AI/ML based solutions to be deployed on the RDC.AI platform for clients across use cases in Business and Commercial lending within North America
- Help mentor and train junior data scientists on RDC.AI methodologies, AI/ML best practices and credit risk modelling methodologies in the Business and Commercial lending space.
About the Candidate
Essential-Experience/Skills
- Bachelor’s degree in in Statistics, Mathematics, Physics, Computer Science, or other Quantitative related degree.
- 5+ years of data science experience, ideally in credit risk or financial services.
- Experience developing and managing quantitative credit risk models including credit decisioning models.
- Programming experience in Python for 3+ years.
- Programming in SQL for 1+ years.
- Knowledge of data discovery, statistics, and data-driven model discovery, development, and validation, and tracking.
- Ability to learn and adapt to new or emerging modeling techniques (e.g., LLM, GenAI, LSTM, etc.)
- Experience presenting to technical, and non-technical stakeholders, including senior leadership.
- Excellent communication and client engagement skills.
- Ability to travel within North America (estimated 25% travel).
Desired-Experience/Skills
- Advanced degree in Statistics, Mathematics, Physics, Computer Science, or other Quantitative related degree.
- Experience with commercial and/or business lending.
- Experience working with traditional and non-traditional data sources such as transaction, accounting, and e-commerce data.
- Understanding the decision-making process behind the lending process.
- Experience in credit risk analysis, strategy design, and monitoring.
- Experience with additional programming languages is nice-to-have (e.g., Java, Scala, R, SAS, Perl, etc.)
Top Skills
What We Do
RDC.AI (previously Rich Data Co) helps banks unlock deeper customer insight, improve credit performance, and build stronger portfolios. By turning complex data into actionable intelligence, we empower lenders to operate with clarity, make confident decisions, and deliver results—efficiently and at scale.
Our single-platform solution is built on explainable AI, enabling banks to move beyond legacy systems and into a new era of speed, transparency, and innovation.
From origination to monitoring, RDC.AI brings consistency, intelligence, and trust to every part of the lending lifecycle.
Because when you know more, you can do more—and grow more.
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