Staff Machine Learning Scientist

Job not on LinkedIn

🔥 1 minute ago

🇺🇸 United States – Remote

💵 $208k - $269k / year

⏰ Full Time

🔴 Lead

🤖 Machine Learning Engineer

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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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

• Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, influencing architecture, shared infrastructure, and investment priorities • Establish model governance standards covering validation, monitoring, risk classification, documentation, change management, and independent review throughout the model lifecycle • Build and improve credit models that inform underwriting, collections, and settlement strategies, balancing portfolio performance, profitability, and member outcomes • Partner with Legal, Compliance, Risk, and sponsor-bank stakeholders to translate regulatory requirements into measurable controls • Advance business measurement through meaningful metrics, experimentation, causal inference, and incrementality analysis that inform product and portfolio decisions • Develop AI-assisted workflows and mentor scientists to improve modeling efficiency, evaluation quality, and consistency across teams • Influence how Dave makes critical financial decisions, measures success, and manages risk • Collaborate with Engineering, Product, Finance, Risk, and Compliance partners • Shape company-wide technical practices and standards

🎯 Requirements

• 8+ years of experience building production machine learning solutions, including demonstrated technical leadership at staff or principal scope • Strong experience with consumer credit modeling, portfolio economics, and risk-based decision systems, ideally in fintech or consumer lending • Experience with model validation, model risk management, or independent review in regulated environments • Familiarity with fair-lending and adverse-action considerations • Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark • Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies • Demonstrated ability to influence technical direction and communicate complex trade-offs across senior stakeholders • Practical experience using AI tools throughout the modeling lifecycle, with sound judgment in evaluating outputs • A bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience • Experience evaluating or governing generative AI applications, including model guardrails and monitoring is a bonus • Permanently authorized to work in the United States without visa sponsorship

🏖️ Benefits

• Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals • Flexible hours and virtual-first work culture with a 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 and virtual events throughout to connect with your team members and leadership team • Equity