Senior Data Scientist - Flex Pay

About the Role: We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming. While this position is ideally based in our San Francisco office on a hybrid basis, we are also open to considering remote candidates. What You’ll Do: - Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements. - Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution. - Validate models to identify factors that may affect model performance. - Analyze large, structured and unstructured datasets using SQL, Python or similar tools. - Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development. - Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies. What We Look For: - Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline. - 3-5+ years of hands-on experience in a data science or analytics role, preferably in financial services. - Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred. - Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL. - Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.). - Proactive, driven, and ability to work in a fast paced environment. Nice to Have: - Experience with data visualization tools (e.g., Tableau, Power BI). - Experience with AI tools such as Claude - Experience with data technologies like PySpark. - Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value. What We Offer You: - Competitive salary and stock option plan - Paid coverage of medical, dental and vision insurance - Competitive 401(k) and RRSP program - Flexible PTO - Opportunities for professional growth and development - Paid parental leave - Health & wellness initiatives The compensation range of this position in San Francisco, CA is USD $100,000-$150,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.