Senior Data Scientist, Lending

Responsibilities

• Partner with Lending Product, Engineering, Risk, and Finance teams to drive impact across liquidity and credit products (MyPay, Instant Loans, SpotMe, Line of Credit).
• Own funnels end-to-end, design and analyze A/B tests, translate ambiguous business questions into prioritized recommendations.
• Connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth.
• Act as an independent thought partner, proactively surfacing opportunities and risks.
• Build and own experimentation and A/B testing program, including metric creation, experiment design, power analysis, and results analysis.
• Equip PMs and engineers with self-service analytics; run ad hoc analyses and causal studies.
• Apply advanced causal inference, time-series, forecasting, and occasional ML for member segmentation.
• Own metrics across the lending funnel (adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, Direct Deposit growth).
• Establish high-quality eventing to track member behaviors.
• Define success metrics, optimize for long-term value balancing growth, loss, and risk; build dashboards for portfolio and product health.
• Translate complex findings into executive-ready narratives.

Requirements

• 5–7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus).
• Expert-level SQL and proficiency in Python.
• Broad knowledge of applied statistics, experimental design, and A/B test analysis.
• Demonstrated experience with machine learning techniques for business use cases.
• Experience acting as a trusted advisor to senior cross-functional partners, influencing decisions with data and judgment.
• Strong business intuition, judgment, and experience with prioritization frameworks.
• Exceptional data storytelling and visualization skills.
• Bias toward proactive problem discovery.

Nice-to-Haves

• Comfort with adoption, approval/conversion rates, and loss/risk tradeoffs.
• Experience with Hex and Looker.
• Familiarity with building data pipelines using dbt or Airflow.
• Familiarity with AI coding tools (Claude Code, Cursor).