Senior Machine Learning Scientist

🕒 September 21

🇺🇸 United States – Remote

💵 $150k - $187k / year

⏰ Full Time

🟠 Senior

🤖 Machine Learning Engineer

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Dave

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

🏦 Banking

👥 B2C

Fintech • Banking • B2C

Dave is a financial services company that aims to provide a fair and affordable banking experience for individuals who feel overlooked by traditional banks. The company was founded on the belief that banks have built products that are often predatory, exemplified by high overdraft fees. In an effort to combat this, Dave offers features like $500 advances, fee-free goal tracking, and support for individuals seeking side hustles to improve their financial situations. Their mission revolves around leveling the financial playing field and making financial solutions accessible to everyone.

📋 Description

• Develop and optimize underwriting, settlement, and collection strategies across ExtraCash, FlexCard, and Rent • Translate risk appetite into policies, decision rules, exposure strategies, and portfolio guardrails • Build ML- and AI-enabled credit strategies using cash-flow, income, behavioral, bureau, and alternative data • Own methodology, validation, and production recommendations • Design experimentation and evaluation frameworks, including success metrics, scenario analyses, guardrails, and launch recommendations • Partner with Product, Engineering, ML Platform, Finance, Legal, and Compliance • Monitor portfolio and business performance and identify emerging opportunities or risks • Translate analysis into clear recommendations • Build reusable modeling, analytics, and AI-assisted workflows for development, testing, validation, documentation, and monitoring • Report to the Sr. Manager, Underwriting and Credit Science

🎯 Requirements

• 5+ years of experience in consumer credit risk, underwriting, settlement and collection, machine learning, or predictive analytics • Strong hands-on experience with statistical modeling, machine learning, experimentation, and production decision systems • Proficiency in Python and SQL • Experience developing credit strategies across the product lifecycle, from new-product launches through mature portfolios • Deep understanding of credit policy, risk appetite, portfolio management, credit performance monitoring, and settlement and collection • Experience working with cash-flow, income, behavioral, bureau, or other alternative data • Experience using AI-assisted tools across research, coding, analysis, model development, testing, or documentation • Strong communication skills and ability to explain complex technical and credit decisions to senior and cross-functional stakeholders • Bachelor’s or master’s degree in a quantitative discipline such as computer science, mathematics, statistics, economics, or engineering • PhD in a quantitative discipline is a bonus

🏖️ Benefits

• Equity • 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 and generous company holidays, including Juneteenth and Winter Break • All-company in-person events once or twice a year • Virtual events throughout to connect with team members and leadership