Data Scientist

Position Title:Data Scientist (Risk Intelligence) Location:Onsite – New York, NY (5 days/week) Position Type:Full-Time (Permanent) Work Policy:In-person only Start Timeline:ASAP Role Summary This is a foundational data science hire on our Risk & Underwriting team. The Data Scientist will develop and productionize underwriting models, risk dashboards, and portfolio analytics to scale credit offerings while maintaining portfolio performance. The role requires strong SQL and Python skills and experience in credit risk or underwriting. Core Responsibilities • Build dashboards, monitoring tools, and risk models • Automate underwriting and credit assessment workflows • Conduct back-testing and model tuning • Collaborate with underwriting to translate business needs into quantitative insights • Potential to expand scope to broader intelligence/AI functions over time Must-Have Qualifications • 4+ years of experience in data science, preferably in credit, underwriting, or financial services • Proficiency in SQL and Python (or R) • Strong background in statistics, machine learning, and data modeling • Experience with dashboards and data visualization tools (e.g., Hex, Looker, Mode, Metabase) • Strong communication skills and ability to operate in a generalist startup environment • Ability to work onsite in NYC 5 days/week (relocation possible) Preferred Qualifications • Experience in e-commerce lending or fintech startups with lending products • Exposure to both fintech and traditional banking environments • Understanding of financial KPIs and ecommerce/fintech datasets • Experience working closely with credit/risk or lending teams • Signals of excellence such as: o Prior experience building something end-to-end (side projects, startups, internal tools) o Past founder or community-building experience o Roles with high ownership or multiple hats o High-output environments like Cash App, Square, or other top fintechs Additional Desired Experience • Willingness to work long hours as needed in person in San Francisco • Experience with Docker, Kubernetes, and Terraform • Experience building for scale, ideally at companies where products are self-hosted by customers • Experience with hyperscalers (AWS, GCP, Azure), with a preference for multi-cloud experience • 5+ years of experience as a DevOps or Infrastructure Engineer • Ability to work closely with customers, demonstrating patience and friendliness • High attention to detail • High agency and strong propensity to learn • B.S. in Computer Science or equivalent degree, undergraduate or higher • Experience at Series B+ stage companies or later, or smaller companies with very large-scale products • Experience with Linux systems is a plus • Strong background in computer networking Job Type: Full-time Pay: $140,000.00 - $170,000.00 per year Work Location: In person