Senior Data Scientist II

Zip Co Limited

3d • $162,000 - $203,000 • Remote

About The Position

As a Senior Data Scientist II, you will develop advanced modeling solutions for Zip’s financial products. You will use rich data sources, including bank transaction data, to enable new product capabilities and strengthen the core business. The work includes traditional machine learning, algorithmic solutions, and AI-centric techniques to balance risk, profitable growth, and long-term product opportunities.

You will independently develop, evaluate, and iterate on models, using experiments and proofs of concept to refine solutions and inform future model versions. You will work with Data and Machine Learning Engineering teams on production considerations, own assigned solutions from development through monitoring, and communicate findings and tradeoffs to business stakeholders. The role is remote-first for US-based employees, with the option to work in person from Zip’s Manhattan office.

Requirements

• Advanced degree in a quantitative field such as Mathematics, Physics, Social Science, or Computer Science; a PhD is preferred.
• At least 5 years of Data Science experience, which may include PhD work.
• At least 2 years of experience working with data relevant to Financial Services.
• Self-starter with strong problem-solving and research skills, able to work independently to drive solutions.
• Solid understanding of probability, statistics, and applied research methods.
• Proficiency in Python and SQL.
• Experience with neural networks, LLMs, and GenAI.
• Familiarity with version control systems such as Git.
• Ability to thrive in a fast-paced, multitasking environment.

Nice To Haves

• Experience working with cashflow data, such as Plaid, MX, or Finicity.
• Hands-on experience with Spark or PySpark.
• Experience with credit and/or fraud risk.

Responsibilities

• Independently design, build, evaluate, and iterate on AI/ML models using bank transaction data to enable new product capabilities.
• Rapidly experiment with, build, and iterate on solutions, producing realistic proofs of concept for testing and refinement.
• Assist with test designs that generate data for future model versions.
• Balance short-term business outcomes with longer-term experiments that drive overall business value.
• Use AI where it improves model quality, analytical efficiency, or product outcomes.
• Build models that mitigate risk while driving profitable business growth.
• Work with Data and Machine Learning Engineering teams on production considerations, data availability, and model scalability.
• Own assigned modeling solutions end-to-end, from development through production monitoring.
• Communicate findings, recommendations, and tradeoffs to business stakeholders.

Benefits

• Flexible working culture.
• Incentive programs.
• Unlimited PTO.
• Generous paid parental leave.
• Leading family support policies.
• Company-sponsored 401(k) match.
• Learning and wellness subscription stipend.
• Industry-leading employer-sponsored insurance for employees and dependents, with several choices fully covered by Zip.
• Beautiful Union Square office with a casual dress code.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior