Senior Data Scientist II

The role

You will build and test advanced models, including machine learning, algorithmic and AI methods, that enable new financial products. You will use rich data sources such as bank transaction data and work with business stakeholders on findings and tradeoffs.

What you will do

• Independently design, build, evaluate and iterate on new AI/ML models using bank transaction data
• Rapidly experiment and build proofs of concept that can be tested and refined
• Assist with test designs that produce data for future model versions
• Balance short-term business outcomes with longer-term experimental opportunities
• Use AI as a tool to improve model quality, analytical efficiency and product outcomes
• Build models that mitigate risk while driving profitable growth
• Work with Data and Machine Learning Engineering teams on data availability and model scalability
• Own assigned modeling solutions end-to-end, including production monitoring
• Communicate findings, recommendations and tradeoffs to business stakeholders

Required qualifications

• Advanced degree in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)
• 5+ years of experience in Data Science (can include PhD work)
• 2+ years of experience working with data relevant to Financial Services
• Self-starter mentality with strong problem-solving and research skills
• Solid grasp of probability, statistics and applied research methods
• Proficiency in Python and SQL
• Experience with Neural Networks, LLMs, GenAI
• Familiarity with version control systems such as Git
• Ability to thrive in a fast-paced, multi-tasking environment

Nice to have

• PhD preferred
• Experience working with cashflow data (e.g., Plaid, MX, Finicity) highly preferred
• Hands-on experience with Spark/PySpark a plus
• Experience with credit and/or fraud risk a plus

Benefits

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Casual dress code at Union Square office
• Employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices

Before you apply

• Visa sponsorship is not available for this position
• Zip participates in the federal government's E-Verify program
• Employment is at-will

About the company

Zip Co Limited (ASX: ZIP) is a digital financial services company offering point-of-sale credit and digital payment services. It operates in Australia, New Zealand and the US.