Scientist Jobs

About The Position

Requirements

• 7+ years of experience building machine learning models.
• Experience implementing models that shaped automated decisions involving money.
• Ability to write production-grade Python.
• Depth beyond classification models, such as experience with time series and forecasting, anomaly detection, and NLP models.
• Proficiency with deep learning, transformers, and large language models (LLMs).
• Strong SQL skills and familiarity working in a data warehouse.
• Ability to explain models to credit officers, model validators, product managers, and engineers.
• Ability to set modeling standards for data science colleagues.
• A quantitative degree or equivalent experience.

Nice To Haves

• Direct experience modeling bank transaction data.
• Experience in small business lending or business credit cards.
• Experience with revenue-based financing, merchant cash advances, or similar products.

Responsibilities

• Build and own models for the lending program, including transaction classification, recurring inflow and outflow detection, annual revenue estimation, seasonal forecasting, and anomaly detection.
• Transform messy data streams, such as bank transactions and storefront sales, into a defensible view of a business’s financial health.
• Deploy models into production with observability, monitoring, and tests.
• Partner with Credit on underwriting policy, including what data to request, when follow-up information justifies the added friction, and how to quantify uncertainty.
• Partner with Product on product design, including principal sizes, pricing, and repayment terms.
• Assess where predictive modeling can meaningfully improve the underwriting program.
• Set the technical bar for machine learning in Credit.

Benefits

• Base salary.
• Equity in the form of stock options and/or RSUs.
• Benefits; specific benefit types are not listed.