Senior Data Scientist - Credit and Lending ML

Role overview Build the machine learning and decision systems that support lending to small businesses. You’ll turn financial records and other business data into reliable assessments of borrower health, then work with credit and product partners to shape underwriting and lending terms.

Responsibilities - Develop models for transaction categorization, recurring cash flow, revenue estimation, seasonal forecasting, and anomaly detection. - Convert varied, imperfect financial data into evidence that can support lending decisions. - Deploy models into production with tests, monitoring, observability, and documentation. - Work with credit partners on underwriting rules, data requests, follow-up steps, and uncertainty measurement. - Advise product partners on lending amounts, pricing, repayment terms, and where predictive models can improve decisions. - Establish technical standards for machine learning across the credit team.

Requirements - At least 3 years of experience building machine learning models, including 1 year working on lending or credit algorithms. - Strong Python skills and experience building production services. - Strong SQL skills and comfort working with a data warehouse. - Professional exposure to deep learning or transformer models. - Ability to explain model behavior to technical and credit audiences. - Quantitative degree or equivalent experience, and the ability to set modeling standards for peers.

Nice to have - Experience modeling bank transaction data or working in small-business lending or business credit cards. - Familiarity with revenue-based financing, merchant cash advances, or similar lending products.

Benefits and work setup Compensation includes base salary, equity, and benefits. Target base salary ranges are $166,600–$298,800 USD for US employees and $157,400–$282,400 CAD for Canadian employees. Offers vary with experience, expertise, location, and internal pay equity.