Our client is a venture-backed fintech with a mission to give employees instant access to their earned wages, which solves a major problem for real people, while killing predatory financial products like payday loans. It is the fastest-growing startup in the category and was incubated by QED Capital, a top fintech venture fund.
The company’s app provides earned wage access for employees at mid- to large-sized organizations to improve their financial wellness and to increase employee engagement and productivity.
With many workers living paycheck to paycheck, financial wellness tools are an important part of any employee benefits package. The company gives employees access to the money that they have already earned whenever they need or want it, without needing to wait for the month-end paycheck. The service is mobile app-based, very easy and intuitive to use. There’s a small transaction fee and no interest to pay - a much healthier solution than payday loans or bank overdrafts with their exorbitant charges.
The company’s ultimate mission is to help people attain financial freedom, which starts with giving people full control over their income.
ABOUT THE ROLE:
Our client is looking for an experienced and passionate senior data scientist in our Data organization. This role will partner directly with product managers, engineers, marketing and other business partners across the business to research, develop, deploy and continuously improve the machine learning solutions to drive growth and improve user experience for our customers.
SPECIFIC RESPONSIBILITIES:
● Work with the risk and underwriting team to move from rules-based to predictive underwriting models
● Create new predictive variables using your intuition, data insights, and automation techniques
● Discover and evaluate the reliability of new data sources
● Automate the creation of machine learning models
● Underwrite customers and help define credit line limits and pricing
● Thwart any fraudulent activities through superior data processes
● Collaborate with business teams to improve data models that feed business intelligence tools, increasing data accessibility and fostering data-driven decision making across the organization.
● Implements processes and systems to monitor data quality, ensuring production data is always accurate and available for key stakeholders and business processes that depend on it.
● Works closely with a team of frontend and backend engineers, product managers, and analysts.
● Works closely with all business units and engineering teams to develop strategy for long term data platform architecture.
WORK EXPERIENCE AND REQUIREMENTS:
● Fluent English
● 4+ years of experience in a data science role
● Experience with or knowledge of R, SAS, Python, Matlab, SQL, noSQL, Hive, Pig, Hadoop, Spark
● Able to build modern machine learning models using the aforementioned tools
● Be an advocate for a data driven culture
● Excellent problem solving and troubleshooting skills
● Process oriented with great documentation skills
● Excellent oral and written communication skills with a keen sense of customer service
● BS or MS degree in Data Science, Computer Science or a related technical field
● Knowledge of best practices and IT operations in an always-up, always-available service