Principal Data Scientist

4 hours ago

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Happy Money

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Finance • Fintech

Happy Money is a company that offers personal loans with the goal of promoting financial happiness and well-being. They provide loans ranging from $5,000 to $40,000 at competitive rates starting from 8. 95% APR. Happy Money collaborates with community-focused lending partners to offer a transparent and simple lending process designed to help individuals pay off credit card debt and achieve personal financial goals. Checking your rate is free and doesn’t affect your credit score. Their services are aimed at fostering a debt-free lifestyle and improving members' financial confidence and credit scores.

201 - 500 employees

Founded 2009

💸 Finance

💳 Fintech

📋 Description

• Design, build, and deploy production machine learning models and pipelines end-to-end, partnering closely with Product and Engineering teams to ensure robust, scalable implementations • Lead technical innovation across the data science organization by improving existing DS processes, championing best practices, and bringing data science solutions to new business areas • Develop financial models using alternative data sources to identify creditworthiness and expand access to financial support for underserved populations • Build behavioral models to uncover patterns that drive positive financial outcomes, increase member engagement, and enhance product utility • Perform rigorous model calibration, validation, and monitoring to ensure models drive reliable business decisions at scale • Create clear visualizations and dashboards to communicate complex quantitative analyses to business stakeholders and drive strategic decisions • Serve as a technical mentor, sharing knowledge across the team and elevating data science capabilities organization-wide

🎯 Requirements

• 10+ years of business experience building and deploying machine learning models that solve marketing, risk, or product problems, with demonstrated success driving business impact • Advanced formal training in a quantitative field: MS or PhD in Statistics, Computer Science, Mathematics, Physics, Engineering, or related discipline with rigorous quantitative foundations • 5+ years of experience designing and analyzing A/B tests and experiments with statistical rigor • Expert knowledge of Python or R and SQL for data manipulation, statistical analysis, and machine learning at scale • 7+ years building and deploying supervised and unsupervised machine learning models in production environments • Experience with AWS technical stack and deploying models via API (Lambda, SageMaker) or containerized solutions (Docker, Kubernetes) • Experience with distributed computing frameworks (Spark, Hive, Hadoop, EMR, or similar) • Strong knowledge of statistics, machine learning (logistic regression, ensemble methods, deep learning, optimization), and model calibration techniques • Proven ability to drive projects from ideation through production deployment with minimal guidance • Ability to communicate complex quantitative analyses in a clear, precise, and actionable manner to both technical and non-technical stakeholders.

🏖️ Benefits

• Generous medical, dental, and vision insurance options • Eligible for Annual Bonus • 401k Plan with a matching contribution • Generous PTO including sick leave, vacation, volunteer, and more • 12 Weeks Paid Parental Leave • Company-paid short & long term disability and life insurance • Monthly tech stipend to help cover expenses for remote work • Happy Money is a 100% fully distributed workforce