Senior Data Scientist

The role

You will own the data science behind how money moves at Possible. You will build payments-health scorecards, monitoring systems, and models to score payment risk and identify fraud.

What you will do

• Define and build the payments-health scorecard
• Build monitoring to surface anomalies at the channel and experiment level
• Design retry strategies and identify customer pay cycles
• Redefine how the company understands payments fraud
• Build recurring reporting on payment patterns
• Develop a model to score the risk of new payment methods or payments that may not clear
• Partner with Engineering, Product, and Risk to develop payment strategy

Required qualifications

• Depth in data science fundamentals and payments domain knowledge
• Experience with modeling, production monitoring, and experiment design
• In-depth understanding of payment rails (ACH, RTP, card, and interchange) and payment behavior
• Hands-on production ML development experience
• Experience building, deploying, monitoring, and retraining models using tools like XGBoost and MLflow or equivalents
• Strong Python and SQL
• Comfort with large datasets in a distributed environment such as PySpark on Databricks
• Experimentation and causal inference skills
• Feature engineering instincts for transactional data

Nice to have

• Track record of cross-functional collaboration that has shaped another team's roadmap
• Hands-on experience with observability tooling such as Datadog
• Direct fraud modeling experience
• Background in collections, recovery, or lending operations in a regulated space

Benefits

• Significant stock options
• Full benefits
• Bonus plan
• Commuter benefits
• Office with free drink and food options

About the company

Possible is a mission-driven fintech Public Benefit Corporation helping Americans build financial health through access to fair, affordable credit.