Senior Machine Learning Scientist

This is a fully remote position, open to applicants in United States.

📋 Description

• Develop and enhance underwriting, settlement, and collection strategies for ExtraCash, FlexCard, and Rent.

• Convert risk appetite into actionable policies, decision-making rules, exposure strategies, and portfolio guidelines.

• Create credit strategies powered by machine learning and AI utilizing data from cash-flow, income, behavioral patterns, bureaus, and alternative sources.

• Take ownership of methodology, validation processes, and production recommendations.

• Design frameworks for experimentation and evaluation, including success metrics, scenario analyses, protective measures, and launch suggestions.

• Collaborate with teams from Product, Engineering, ML Platform, Finance, Legal, and Compliance.

• Oversee portfolio and business performance, identifying new opportunities or potential risks.

• Transform analytical insights into clear, actionable recommendations.

• Develop reusable models, analytics, and AI-based workflows for development, testing, validation, documentation, and monitoring purposes.

• Report directly to the Senior Manager of Underwriting and Credit Science.

⛳️ Requirements

• Over 5 years of experience in consumer credit risk, underwriting, settlement and collection, machine learning, or predictive analytics.

• Strong hands-on experience with statistical modeling, machine learning, experimental design, and production decision systems.

• Proficiency in Python and SQL programming languages.

• Experience in developing credit strategies throughout the product lifecycle, from launching new products to managing mature portfolios.

• Comprehensive understanding of credit policy, risk appetite, portfolio management, credit performance tracking, and settlement and collection processes.

• Background in working with cash-flow, income, behavioral, bureau, or other alternative datasets.

• Familiarity with AI-assisted tools in research, coding, analysis, model development, testing, or documentation tasks.

• Excellent communication skills with the ability to convey complex technical and credit decisions to senior and cross-functional stakeholders.

• Bachelor’s or master’s degree in a quantitative field such as computer science, mathematics, statistics, economics, or engineering.

• A PhD in a quantitative discipline is an added advantage.

🏝️ Benefits

• Equity options.

• Flexible working hours and a virtual-first work culture.

• Home office stipend.

• Comprehensive Medical, Dental, and Vision Insurance plans.

• Generous paid parental and caregiver leave.

• 401(k) savings plan with matching contributions.

• Access to financial advisory and financial wellness support.

• Flexible PTO along with generous company holidays, including Juneteenth and Winter Break.

• Company-wide in-person events once or twice a year.

• Ongoing virtual events to foster connections with team members and leadership.