Senior Machine Learning Scientist

Job Summary

To shape underwriting and credit science across multiple products, the full-time remote Senior Machine Learning Scientist will develop and optimize credit strategies, leveraging alternative data to enhance decision-making and improve member outcomes.

Key responsibilities

• Develop and optimize underwriting, settlement, and collection strategies for ExtraCash, FlexCard, and Rent
• Build ML- and AI-enabled credit strategies using diverse data sources while managing methodology and validation processes
• Design experimentation and evaluation frameworks to monitor portfolio performance and identify emerging opportunities or risks

Required qualifications

• 5+ years of experience in consumer credit risk, underwriting, or predictive analytics, preferably in fintech
• Strong hands-on experience with statistical modeling, machine learning, and production decision systems
• Proficiency in Python and SQL
• Experience developing credit strategies across the product lifecycle
• Bachelor's or master's degree in a quantitative discipline such as computer science, mathematics, or engineering