Note: The job is a remote job and is open to candidates in USA. Dave is a financial app and financial services company focused on improving access to affordable and transparent financial products for underserved consumers. The Senior Machine Learning Scientist will develop and optimize credit underwriting, settlement, and collection strategies using machine learning, AI, and alternative data, while partnering with cross-functional teams to build scalable decisioning solutions.
Responsibilities
- Develop and optimize underwriting, settlement, and collection strategies across ExtraCash, FlexCard, and Rent, translating risk appetite into policies, decision rules, exposure strategies, and portfolio guardrails
- Build ML- and AI-enabled credit strategies using cash-flow, income, behavioral, bureau, and alternative data, with ownership of methodology, validation, and production recommendations
- Design rigorous experimentation and evaluation frameworks, including success metrics, scenario analyses, guardrails, and launch recommendations
- Partner with Product, Engineering, ML Platform, Finance, Legal, and Compliance to develop scalable decisioning solutions and improve strategies throughout the credit lifecycle
- Monitor portfolio and business performance, identify emerging opportunities or risks, and translate analysis into clear recommendations
- Build reusable modeling, analytics, and AI-assisted workflows that improve development, testing, validation, documentation, and monitoring
Skills
- • 5+ years of experience in consumer credit risk, underwriting, settlement and collection, machine learning, or predictive analytics, ideally in fintech or consumer lending
- • Strong hands-on experience with statistical modeling, machine learning, experimentation, and production decision systems
- • Proficiency in Python and SQL
- • Experience developing credit strategies across the product lifecycle, from new-product launches through mature portfolios
- • Deep understanding of credit policy, risk appetite, portfolio management, credit performance monitoring, and settlement and collection
- • Experience working with cash-flow, income, behavioral, bureau, or other alternative data
- • Experience using AI-assisted tools across research, coding, analysis, model development, testing, or documentation while maintaining strong judgment over output quality
- • Strong communication skills and the ability to explain complex technical and credit decisions to senior and cross-functional stakeholders
- • Bachelor's or master's degree in a quantitative discipline such as computer science, mathematics, statistics, economics, or engineering
- Bonus: PhD in a quantitative discipline
Benefits
- Offers Equity
- 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
- Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals
Company Overview
Company H1B Sponsorship