Senior Machine Learning Scientist

📋 Description

• Develop and optimize underwriting, settlement, and collection strategies across ExtraCash
• Build ML- and AI-enabled credit strategies using cash-flow, income, behavioral, bureau, and
• Design rigorous experimentation and evaluation frameworks, including success metrics, scenario
• Partner with Product, Engineering, ML Platform, Finance, Legal, and Compliance to develop scalable
• Monitor portfolio and business performance, identify emerging opportunities or risks, and translate
• Build reusable modeling, analytics, and AI-assisted workflows that improve development, testing

🎯 Requirements

• 5+ years of experience in consumer credit risk, underwriting, settlement and collection, machine
• Strong hands-on experience with statistical modeling, machine learning, experimentation, and
• Proficiency in Python and SQL.
• Experience developing credit strategies across the product lifecycle, from new-product launches
• Deep understanding of credit policy, risk appetite, portfolio management, credit performance
• Experience working with cash-flow, income, behavioral, bureau, or other alternative data.

🎁 Benefits

• Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of
• 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.