Staff Machine Learning Scientist

The role

You will shape modeling strategy and establish governance standards across credit, fraud, marketing, and growth. You will build credit models and develop AI-assisted workflows to support business decisions.

What you will do

• Shape modeling strategy across underwriting, collections, fraud, marketing, and growth
• Establish model governance standards for validation, monitoring, and risk classification
• Build and improve credit models for underwriting, collections, and settlement
• Partner with Legal, Compliance, Risk, and sponsor-bank stakeholders on regulatory requirements
• Advance business measurement through metrics, experimentation, and causal inference
• Develop AI-assisted workflows and mentor scientists

Required qualifications

• 8+ years of experience building production machine learning solutions
• Demonstrated technical leadership at staff or principal scope
• Experience with consumer credit modeling, portfolio economics, and risk-based decision systems
• Experience with model validation, model risk management, or independent review in regulated environments
• Familiarity with fair-lending and adverse-action considerations
• Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark
• Experience designing experiments, defining business metrics, and measuring incremental impact
• Ability to influence technical direction and communicate complex trade-offs across senior stakeholders
• Practical experience using AI tools throughout the modeling lifecycle
• Bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience

Nice to have

• Experience evaluating or governing generative AI applications, including model guardrails and monitoring

Benefits

• Opportunity to tackle tough challenges and learn from top talent
• Flexible hours and virtual-first work culture
• Home office stipend
• Premium Medical, Dental, and Vision Insurance plans
• Generous paid parental and caregiver leave
• 401(k) savings plan with matching contributions
• Financial advisor and financial wellness support
• Flexible PTO
• Generous company holidays, including Juneteenth and Winter Break
• All-company in-person events once or twice a year
• Virtual events

About the company

Dave is a financial app that leverages technology to create affordable, transparent, and user-centric access to liquidity for Americans. The company offers products like ExtraCash to meet the credit needs of those underserved by traditional financial institutions.