Principal Data Scientist, Payments Intelligence

Job not on LinkedIn

🔥 3 minutes ago

🇺🇸 United States – Remote

💵 $215k - $243.8k / year

⏰ Full Time

🔴 Lead

📊 Data Scientist

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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WEX

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1983

🏥 Healthcare

📦 Logistics

✈️ Travel

💰 $310M Post-IPO Debt on 2020-06

Healthcare • Logistics • Travel

WEX is a global commerce platform specializing in various business solutions to address operational challenges. They provide services in managing and mobilizing fleets with their fuel card systems, offering comprehensive fleet management and analytics. Additionally, they focus on business payments solutions that streamline processes across industries, enhancing efficiency and security. WEX is also involved in employee benefits administration, helping organizations effectively manage health and reimbursement accounts. Their diverse range of services caters to numerous sectors, emphasizing innovation, sustainability, and effective solutions for business growth.

📋 Description

• Discover high-value payment opportunities using payments knowledge, exploratory data science, and machine learning • Use corporate payments data to identify opportunities for revenue growth, improved payment economics, supplier onboarding, and customer acquisition • Identify additional data that could unlock further analysis • Build intelligent payment data products involving predictions, recommendations, optimization, and decisioning • Develop models and signals related to merchant and supplier behavior, payment acceptance, authorization performance, BIN/interchange optimization, payment routing, fraud/risk, and payment economics • Create connected intelligence across customers, suppliers, merchants, transactions, payment methods, networks, and other payment entities • Identify patterns in large-scale transaction data to improve acceptance, payment performance, revenue, and margin • Form hypotheses and prove value through rigorous analysis • Prototype using Python, SQL, machine learning, and modern data platforms before scaling solutions • Partner with Product and Engineering to productionize models, signals, and decisioning capabilities • Design experimentation and measurement frameworks to demonstrate incremental business value • Help define semantic and contextual intelligence for future payments AI agents and agentic experiences • Act as a thought partner to Payments leadership and proactively identify opportunities • Mentor data analysts and collaborate with data scientists across the organization • Share practices and raise the technical and data-science bar

🎯 Requirements

• 10+ years of relevant experience in data science or a related quantitative discipline • Hands-on experience building production machine-learning, predictive, optimization, or decisioning solutions • Deep subject-matter expertise in payments, credit cards, payment transactions, or payment infrastructure • Experience in areas such as authorization, acceptance, interchange, BINs, merchant behavior, payment routing, fraud/risk, transaction economics, settlement, or payment-network dynamics • Strong Python and SQL skills • Experience working with large-scale transactional datasets • Ability to perform exploratory analysis, feature engineering, modeling, experimentation, and productionization • Ability to identify business implications and opportunities from payment data • Builder and entrepreneurial mindset • Strong product instincts and judgment • Ability to work with Product, Engineering, Commercial, Risk, and business leaders • Ability to communicate clearly and succinctly with director- and VP-level stakeholders • Customer empathy, proactive collaboration, accountability, and willingness to challenge existing approaches constructively • Established technical leadership and collaborative mentoring approach • Advanced degree in Data Science, Statistics, Applied Mathematics, Computer Science, Operations Research, Economics, or another quantitative discipline is nice to have; equivalent depth through experience may be considered • Experience with R and modern data platforms such as Snowflake or Databricks is nice to have • Curiosity about GenAI and agentic systems is nice to have

🏖️ Benefits

• Health insurance • Dental insurance • Vision insurance • Retirement savings plan • Paid time off • Health savings account • Flexible spending accounts • Life insurance • Disability insurance • Tuition reimbursement • Quarterly or annual bonus eligibility for non-sales roles • Continued individual-contributor growth is supported • Potential opportunity to build a supporting team over time