Staff Machine Learning Scientist

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

📋 Description

• Define and enhance Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, impacting architecture, shared infrastructure, and investment priorities.

• Set model governance standards that encompass validation, monitoring, risk classification, documentation, change management, and independent review throughout the model lifecycle.

• Create and refine credit models that guide underwriting, collections, and settlement strategies while balancing portfolio performance, profitability, and member outcomes.

• Collaborate with Legal, Compliance, Risk, and sponsor-bank stakeholders to convert regulatory requirements into actionable controls.

• Enhance business measurement through significant metrics, experimentation, causal inference, and incrementality analysis that guide product and portfolio choices.

• Develop AI-assisted workflows and mentor scientists to elevate modeling efficiency, evaluation quality, and consistency across teams.

• Impact Dave's critical financial decisions, success measurement, and risk management.

• Work closely with Engineering, Product, Finance, Risk, and Compliance partners.

• Influence the establishment of company-wide technical practices and standards.

⛳️ Requirements

• Over 8 years of experience in building production machine learning solutions, showcasing technical leadership at a staff or principal level.

• Extensive experience in consumer credit modeling, portfolio economics, and risk-based decision systems, preferably within fintech or consumer lending sectors.

• Background in model validation, model risk management, or independent review within regulated environments.

• Knowledge of fair-lending and adverse-action considerations.

• Advanced skills in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark.

• Experience in designing experiments, defining business metrics, and assessing incremental impact using causal inference or holdout methodologies.

• Proven ability to influence technical direction and convey complex trade-offs to senior stakeholders.

• Practical experience with AI tools throughout the modeling lifecycle, possessing sound judgment in assessing outputs.

• A bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience.

• Experience in evaluating or governing generative AI applications, including model guardrails and monitoring, is a plus.

• Must be permanently authorized to work in the United States without visa sponsorship.

🏝️ Benefits

• Opportunity to confront challenging problems, learn and grow alongside top talent, and assist millions in achieving their personal financial aspirations.

• Flexible hours and a virtual-first work culture, complete with a home office stipend.

• Comprehensive Medical, Dental, and Vision Insurance plans.

• Generous paid parental and caregiver leave policies.

• 401(k) savings plan featuring matching contributions.

• Access to financial advisors and financial wellness support.

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

• Company-wide in-person events once or twice a year, along with virtual events throughout the year to connect with team members and leadership.

• Equity opportunities.