Description
Data Scientist
Location: Los Altos
Department: Data
Location Type: REMOTE
Employment Type: FULL_TIME
What We Do
Pavefi.com helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics.
100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system.
We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk.
Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.
Pave is backed by Better Tomorrow, Bessemer, 8VC, and other top funds and angels from Coinbase, Chime, SoFi, CashApp, and Plaid.
The Role
Reporting directly to the Director of Data Science, you will play a crucial role in driving customer adoption by producing models that demonstrate the impact of our cashflow scores and attributes on customers’ bottom lines. Your analytical skills, coupled with experience in building highly-performing statistical models and knowledge of credit risk in the US, will be instrumental in improving our data products and in influencing our product roadmap.
Responsibilities
- Develop and maintain models (whether ML-based or heuristics-based) to enhance our product offerings.
- Analyze the impact of Pave’s scores and attributes on customer performance metrics, particularly focusing on increasing approvals and reducing defaults.
- Design, implement, and evaluate experiments to test the effectiveness of new attributes and models.
- Collaborate with data engineers to put your models in production, monitor their performance and conduct regular updates to maintain their accuracy.
- Communicate findings and recommendations to stakeholders through clear, concise reports, dashboards and presentations.
- Stay up-to-date with industry best practices and advancements in data science, AI and ML, and credit risk analytics tools, and technologies.
- Help ensure all models, attributes, and analyses are compliant with fair lending practices, translating these considerations into the attributes and analyses we conduct for credit risk.
Requirements
- Strong analytical and data exploratory skills with the ability to ask the right questions, interpret data and provide actionable insights.
- Demonstrated experience of going from data analysis to building highly performing ML models, including feature engineering and measuring performance.
- Solid understanding of machine learning libraries like scikit-learn, and tree ensemble packages like XGBoost.
- Strong problem-solving skills and a detail-oriented mindset.
- Ability to work independently and collaboratively in a team environment.
- Ability to clearly communicate findings and insights to both technical and non-technical stakeholders, including external partners and customers.
- Knowledge and experience building credit risk models, with an understanding of credit risk in the US.
- Work experience in US fintech or in the financial industry.
How To Apply
Include this role's title in your subject line (it'll help us to sort through the emails).
Send along links that best showcase the relevant things you've built and done.
There are more than 50,000 engineering jobs:
Subscribe to membership and unlock all jobs
Engineering Jobs
60,000+ jobs from 4,500+ well-funded companies
Updated Daily
New jobs are added every day as companies post them
Refined Search
Use filters like skill, location, etc to narrow results
Become a member
🥳🥳🥳 452 happy customers and counting...
Overall, over 80% of customers chose to renew their subscriptions after the initial sign-up.
To try it out
For active job seekers
For those who are passive looking
Cancel anytime
Frequently Asked Questions
- We prioritize job seekers as our customers, unlike bigger job sites, by charging a small fee to provide them with curated access to the best companies and up-to-date jobs. This focus allows us to deliver a more personalized and effective job search experience.
- We've got over 200,000 jobs from 15,000+ vetted companies. No fake or sleazy jobs here!
- We aggregate jobs from 15,000+ companies' career pages, so you can be sure that you're getting the most up-to-date and relevant jobs.
- We're the only job board *for* software engineers, *by* software engineers… in case you needed a reminder! We add thousands of new jobs daily and offer powerful search filters just for you. 🛠️
- Every single hour! We add 2,000-3,000 new jobs daily, so you'll always have fresh opportunities. 🚀
- Typically, job searches take 3-6 months. EchoJobs helps you spend more time applying and less time hunting. 🎯
- Check daily! We're always updating with new jobs. Set up job alerts for even quicker access. 📅
What Fellow Engineers Say