Data Scientist
Lead end-to-end data science projects spanning growth experiments, repayment forecasting models, and data infrastructure. Build ML models, design metrics, and partner cross-functionally to expand responsible access to capital.
About the job
Responsibilities
- Design experiments and analyses that expand access to capital while keeping the portfolio healthy
- Study the full merchant lifecycle to find where we can responsibly extend more capital
- Model prospective partner portfolio performance before launching
- Build and ship ML models (XGBoost and similar) that forecast merchant repayment behavior
- Measure the impact of servicing efforts on merchant outcomes
- Build data pipelines that power every analysis, dashboard, and ML model
- Automate processes using APIs, ML, and LLMs
- Build internal tools (Streamlit apps, dashboards, Slack bots) used daily by the company
- Lead projects from end to end across growth, portfolio monitoring, and infrastructure domains
Requirements
- Bachelor's Degree (or higher) in Computer Science, Statistics, Mathematics, Data Science, or related fields
- Statistical reasoning: design concise metrics, apply causal inference methods, develop predictive ML models
- Business acumen: identify and prioritize business problems, anticipate impact on financial performance and compliance
- Engineering mindset: write legible, reliable, tested code; contribute to model and data infrastructure design
- Leadership and collaboration: build trusted relationships, document work, seek feedback, mentor other DS members
- Focused execution: prioritize high-impact work, scope projects rigorously, act with urgency
- AI tool fluency: rapidly adopt emerging AI tools and critically evaluate AI-generated outputs
Nice-to-Haves
- Management experience
- Graduate studies in physics, mathematics, bioengineering, economics, financial engineering, or electrical engineering
- Professional experience at Robinhood, Uber, Lyft, Airbnb, Faire, Segment, Facebook, or Google
Compensation & Benefits
- Salary: $200k - $235k (individual contributor); $235k - $330k+ (Senior/Staff)
- Equity grant
- Medical, dental & vision insurance
- Work from home flexibility
- Unlimited PTO
- Commuter benefits
- Free lunches
- Paid parental leave
- 401(k)
- Employee assistance program
Skills
Python, SQL, Xgboost, Machine Learning, Causal Inference, Feature Engineering, Data Pipelines, Streamlit, Statistical Modeling, Experiment Design
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