Senior Data Scientist jobs at Beyond Finance - 398 jobs

Mechanical design, the work done in CAD, is the rate-limiter for progress in the physical world. However, there are only 2-4 million people on Earth who know how to CAD. But what if hundreds of millions could? What if creating something in the real world were as easy as imagining the use case, or sketching it on paper? Backflip is building a foundation model for mechanical design: unifying the world's scattered engineering knowledge into an intelligent, end-to-end design environment. Our goal is to enable anyone to imagine a solution and hit “print.” Founded by a second-time CEO in the same space (first company: Markforged), Backflip combines deep industry insight with breakthrough AI research. Backed by a16z and NEA, we raised a $30M Series A and built a deeply technical, mission-driven team. We're building the AI foundation that tomorrow's space elevators, nanobots, and spaceships will be built in. If you're excited to define the next generation of hard tech, come build it with us. The Role We're looking for a Staff Machine Learning Data Engineer to lead and build the data pipelines powering Backflip's foundation model for manufacturing and CAD. You'll design the systems, tools, and strategies that turn the world's engineering knowledge - text, geometry, and design intent - into high-quality training data. This is a core leadership role within the AI team, driving the data architecture, augmentation, and evaluation that underpin our model's performance and evolution. You'll collaborate with Machine Learning Engineers to run data-driven experiments, analyze results, and deliver AI products that shape the future of the physical world. What You'll Do Architect and own Backflip's ML data pipeline, from ingestion to processing to evaluation. Define data strategy: establish best practices for data augmentation, filtering, and sampling at scale. Design scalable data systems for multimodal training (text, geometry, CAD, and more). Develop and automate data collection, curation, and validation workflows. Collaborate with MLEs to design and execute experiments that measure and improve model performance. Build tools and metrics for dataset analysis, monitoring, and quality assurance. Contribute to model development through insights grounded in data, shaping what, how, and when we train. Who You Are You've built and maintained ML data pipelines at scale, ideally for foundation or generative models, that shipped into production in the real world. You have deep experience with data engineering for ML, including distributed systems, data extraction, transformation, and loading, and large-scale data processing (e.g. PySpark, Beam, Ray, or similar). You're fluent in Python and experienced with ML frameworks and data formats (Parquet, TFRecord, HuggingFace datasets, etc.). You've developed data augmentation, sampling, or curation strategies that improved model performance. You think like both an engineer and an experimentalist: curious, analytical, and grounded in evidence. You collaborate well across AI development, infra, and product, and enjoy building the data systems that make great models possible. You care deeply about data quality, reproducibility, and scalability. You're excited to help shape the future of AI for physical design. Bonus points if: You are comfortable working with a variety of complex data formats, e.g. for 3D geometry kernels or rendering engines. You have an interest in math, geometry, topology, rendering, or computational geometry. You've worked in 3D printing, CAD, or computer graphics domains. Why Backflip This is a rare opportunity to own the data backbone of a frontier foundation model, and help define how AI learns to design the physical world. You'll join a world-class, mission-driven team operating at the intersection of research, engineering, and deep product sense, building systems that let people design the physical world as easily as they imagine it. Your work will directly shape the performance, capability, and impact of Backflip's foundation model, the core of how the world will build in the future. Let's build the tools the future will be made in. #J-18808-Ljbffr

About GoodLeap GoodLeap is a technology company delivering best-in-class financing and software products for sustainable solutions, from solar panels and batteries to energy-efficient HVAC, heat pumps, roofing, windows, and more. Over 1 million homeowners have benefited from our simple, fast, and frictionless technology that makes the adoption of these products more affordable, accessible, and easier to understand. Thousands of professionals deploying home efficiency and solar solutions rely on GoodLeap's proprietary, AI-powered applications and developer tools to drive more transparent customer communication, deeper business intelligence, and streamlined payment and operations. Our platform has led to more than $30 billion in financing for sustainable solutions since 2018. GoodLeap is also proud to support our award-winning nonprofit, GivePower, which is building and deploying life-saving water and clean electricity systems, changing the lives of more than 1.6 million people across Africa, Asia, and South America. Position Summary The GoodLeap team is looking for a hands‑on Data Engineer with a strong background in API data integrations, Spark processing and data lake development. The focus of this role will be on ingesting production energy data and helping get the aggregated metrics to the many teams in GoodLeap that need them. The successful candidate is a highly motivated individual with strong technical skills to create secure and performant data pipelines as well as support our foundational enterprise data warehouse. The ideal candidate is passionate about quality and has a bold, visionary approach to data practices in a modern finance enterprise. The candidate in this role will be required to work closely with cross‑functional teams to effectively coordinate the complex interdependencies inherent in the applications. Typical teams we collaborate with are Analytics & Reporting, Origination Platform engineers and AI developers. We are looking for a hardworking and passionate engineer who wants to make a difference with the tools they develop. Essential Job Duties and Responsibilities Implement data integrations across the organization as well as with business applications Develop and maintain data oriented web applications with scalable web services Participate in the design and development of projects, either independently or in a team Utilize agile software development lifecycle and DevOps principles Be the data stewards of the organization upholding quality and availability standards for our downstream consumers Be self‑sufficient and fully own the responsibility of executing projects from inception to delivery Provide mentorship to team members including pair programming and skills development Participate in data design and architecture discussions, considering solutions in the context of the larger GoodLeap ecosystem Required Skills, Knowledge & Abilities 6-10 years of full‑time Data Analysis and/or Software Development experience Experience with an end to end reporting & analytics technology: data warehousing (SQL, NoSQL) to BI/Visualization (Tableau, PowerBI, Excel) Degree in Computer Science or related discipline Experience with DataBricks/Spark processing Expertise with relational databases (including functional SQL/stored procedures) and non‑relational databases (MongoDB, DynamoDB, Elastic Search) Experience with orchestrating data pipelines with modern tools such as Airflow Strong knowledge and hands‑on experience with open source web frameworks (e.g. Vue /React) Solid understanding of performance implications and scalability of code Experience with Amazon Web Services (IAM, Cognito, EC2, S3, RDS, Cloud Formation) Experience with messaging paradigms and serverless technologies (Lambda, SQS, SNS, SES) Experience working with server‑less applications on public clouds (e.g. AWS) Experience with large, complex codebases and know how to maintain them $160,000 - $210,000 a year In addition to the above salary, this role may be eligible for a bonus and equity. Additional Information Regarding Job Duties and s Job duties include additional responsibilities as assigned by one's supervisor or other managers related to the position/department. This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. The Company reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. The Company shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law. If you are an extraordinary professional who thrives in a collaborative work culture and values a rewarding career, then we want to work with you! Apply today! We are committed to protecting your privacy. To learn more about how we collect, use, and safeguard your personal information during the application process, please review our Employment Privacy Policy and Recruiting Policy on AI. #J-18808-Ljbffr

A technology finance firm in San Francisco is seeking an experienced Data Engineer. The role involves building data pipelines, integrating data across various platforms, and developing scalable web applications. The ideal candidate will have a strong background in data analysis, software development, and experience with AWS. The salary range for this position is between $160,000 and $210,000, with potential bonuses and equity. #J-18808-Ljbffr

A cutting-edge data analytics firm in San Francisco is seeking a full-stack engineer to enhance user experiences and integrate AI tools within their platform. You will work on innovative projects that shape data interactions, collaborate with teams on product initiatives, and tackle UX challenges. Ideal candidates should possess 3+ years of software engineering experience, proficiency in React and Typescript, and a strong desire to work in AI development. This position offers a competitive salary and benefits, with a hybrid work model. #J-18808-Ljbffr

The Wealthfront Data Science team utilizes our rich financial and behavioral data to influence Marketing, Product and information security decisions. The team draws from backgrounds in Computer Science, Natural Sciences, Statistics, Operations Research, Economics and Finance. The Data Scientist in this role will be primarily embedded within Wealthfront's Lifecycle (LC) Marketing team. The objectives of the LC Marketing team are maximizing lead conversion and optimizing client engagement. The team addresses these goals by designing and executing personalized campaigns delivered via Emails, InApp merchandising, and push notifications. The set of potential projects for this role includes (but is not limited to) client segmentation, campaign design and analysis, and client value modeling. A successful Lifecycle Marketing Data Scientist employs a combination of economic intuition, first-principles mathematical modeling, statistics (including causal inference) and machine learning. A key desired trait for this role is an ability to collaboratively create experiments based on clients' hypothesized pain points, aspirations, and moments of delight. An ideal candidate will also act as a mentor to junior team members and demonstrate an ability to explain technical concepts in a simple language.Responsibilities Suggest and analyze Lifecycle Marketing campaigns rooted in clients' delight and friction. Employ and exemplify rigor in mathematical analyses and sound design principles in software development. Collaborate with the Lifecycle Marketing team to define quarterly and yearly initiatives. Turn initiatives into projects with clear rationale, candidate approaches and milestones. Execute planned projects through hands-on work and delegation. This includes tracking priority and progress of projects in weekly meetings. Articulate technical information, including assumptions, methodologies, and outcomes to specialists across disciplines. Translate hunches to hypotheses and numbers into recommendations. Absorb and articulate the Marketing strategy and project rationales to Data Scientists. Requirements Masters or PhD degree in Computer Science, Statistics, Operations Research or Natural Sciences, with 4-8+ years of prior experience as a Data Scientist. Proficiency in Python and SQL A strong foundation in practical Statistics including the use of causal inference. Strong mathematical and software engineering skills. Fluency in long and short form oral and written communication. Ability to sharpen or reframe project requirements through effective collaboration. Desire to mentor junior Data Scientists by exemplifying math, engineering and technical communication skills. Experience in a Marketing facing role preferred, but not required Estimated annual salary range: $164,000 - $184,000 plus Equity and a discretionary bonus. Benefits include medical, vision, dental, 401K plan, generous time off, parental leave, wellness reimbursements, professional development, employee investing discount, and more! About Wealthfront Here at Wealthfront, our mission is to create a financial system that favors people, not institutions. We do this by leveraging technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money. We started with the ambition to transform the investment advisory business. By automating strategies typically reserved for the wealthy, we unlocked access to high quality investment advice for a digitally-native generation that was underserved by traditional institutions. Since then, we've expanded to a full suite of products designed to help our clients turn their savings into long-term wealth, including: • A Cash Account that, through our partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, while providing instant and secure access to your money with no account fees and a full suite of checking features. • A zero-commission Stock Investing Account with 50+ handpicked collections that help DIY investors discover new companies and make smarter investing decisions. • Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing-which we offer at industry-leading low costs and accessible minimums. Our award-winning products have attracted over 1 million clients who trust us with more than $85 billion of their hard earned savings-and we're far from done. If you're inspired to help us reshape the financial industry as we create our next chapter, let's talk! For more information please visit ********************** are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Please review our candidate privacy notice. Disclosures: All investing involves risk, including the possible loss of principal. Tax-Loss Harvesting benefits vary depending on the client's entire tax and investment profile. Wealthfront doesn't provide tax advice. The Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the variable interest rate, and provide access to FDIC pass-through insurance. Investment management and advisory services-which are not FDIC insured-are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser. The checking features offered in the Wealthfront Cash Account are provided by Green Dot Bank, Member FDIC. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. By “award-winning products”, please refer to *************************** for more information. Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

Job DescriptionVaro is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. About The RoleVaro represents a new generation of fintech built on technology and innovation to empower consumers. We serve millions of Americans with our mobile app to make digital banking easy, convenient, and personalized. As a Senior Data Scientist (Machine Learning), you'll get the chance to develop innovative models that affect millions of users in the fintech space. You'll work with experienced Machine Learning Scientists as well as collaborate with your peers on exciting science problems in the fraud detection, risk modeling, personalization, operations, and causal inference spaces. About the Data Science TeamVaro's Data Science Team develops Machine Learning models that make it easier for the right people to get access to funds, help protect customers from fraudsters, and transform the in-app experience with real-time recommendations. Unlike some organizations where data takes a support role, here at Varo data science is front and center. Since we are in hyper-growth mode, you will get to work on the most impactful data science problems from day one. We rely on advanced techniques in machine learning, cloud platforms, and data technology. We're a team of PhDs and ex-academics with a collegial work atmosphere. If you are interested in working with an impressive team of Data pros who collaborate and challenge each other and want to solve interesting problems to propel the company's growth, apply now!What you'll be doing Develop production-grade ML algorithms, such as fraud detection algorithms, recommender systems, dynamic credit risk models, and large-scale causal inference models, as well as processes for monitoring and analyzing their performance Leverage large data sets from different sources, and use modern modeling techniques such as tree-based methods, neural networks, and reinforcement learning to increase and optimize customer experiences, customer acquisition, underwriting, and other business outcomes Work with stakeholders throughout the organization to identify opportunities for driving business decisions or improving our product suite with ML Collaborate cross-functionally with the engineering team to deploy models and monitor outcomes You'll bring the following required skills and experiences An advanced degree in a quantitative field - computer science, engineering, statistics, operations research, economics, etc. 4+ years of experience as a Data Scientist, Machine Learning Scientist, or Research Scientist as an individual contributor, including but not limited to relevant experience from your PhD research Experience applying a wide range of statistical techniques to large data sets, and understanding their real-world advantages/drawbacks Experienced in using Python for analysis, modeling, and visualization (numpy, pandas, scikit, nltk, matplotlib, etc.) Ability to thrive in a fast-paced environment Strong bias for action and team player Preferred: Familiarity with Sagemaker, Spark, TensorFlow, Keras, and PyTorch For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $150,000 - $200,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.#MidSenior We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company's Most Innovative Companies, Forbes' Fintech 50, and earned the No. 7 spot on Inc. 5000's list of fastest-growing companies across the country. Varo. A bank for all of us. Our Core Values- Customers First- Take Ownership- Respect- Stay Curious- Make it Better Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. About The Role Varo represents a new generation of fintech built on technology and innovation to empower consumers. We serve millions of Americans with our mobile app to make digital banking easy, convenient, and personalized. As a Senior Data Scientist (Machine Learning), you'll get the chance to develop innovative models that affect millions of users in the fintech space. You'll work with experienced Machine Learning Scientists as well as collaborate with your peers on exciting science problems in the fraud detection, risk modeling, personalization, operations, and causal inference spaces. About the Data Science Team Varo's Data Science Team develops Machine Learning models that make it easier for the right people to get access to funds, help protect customers from fraudsters, and transform the in-app experience with real-time recommendations. Unlike some organizations where data takes a support role, here at Varo data science is front and center. Since we are in hyper-growth mode, you will get to work on the most impactful data science problems from day one. We rely on advanced techniques in machine learning, cloud platforms, and data technology. We're a team of PhDs and ex-academics with a collegial work atmosphere. If you are interested in working with an impressive team of Data pros who collaborate and challenge each other and want to solve interesting problems to propel the company's growth, apply now! What you'll be doing * Develop production-grade ML algorithms, such as fraud detection algorithms, recommender systems, dynamic credit risk models, and large-scale causal inference models, as well as processes for monitoring and analyzing their performance * Leverage large data sets from different sources, and use modern modeling techniques such as tree-based methods, neural networks, and reinforcement learning to increase and optimize customer experiences, customer acquisition, underwriting, and other business outcomes * Work with stakeholders throughout the organization to identify opportunities for driving business decisions or improving our product suite with ML * Collaborate cross-functionally with the engineering team to deploy models and monitor outcomes You'll bring the following required skills and experiences * An advanced degree in a quantitative field - computer science, engineering, statistics, operations research, economics, etc. * 4+ years of experience as a Data Scientist, Machine Learning Scientist, or Research Scientist as an individual contributor, including but not limited to relevant experience from your PhD research * Experience applying a wide range of statistical techniques to large data sets, and understanding their real-world advantages/drawbacks * Experienced in using Python for analysis, modeling, and visualization (numpy, pandas, scikit, nltk, matplotlib, etc.) * Ability to thrive in a fast-paced environment * Strong bias for action and team player * Preferred: Familiarity with Sagemaker, Spark, TensorFlow, Keras, and PyTorch $150,000 - $200,000 a year For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $150,000 - $200,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range. #MidSenior We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About Varo Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company's Most Innovative Companies, Forbes' Fintech 50, and earned the No. 7 spot on Inc. 5000's list of fastest-growing companies across the country. Varo. A bank for all of us. Our Core Values * Customers First * Take Ownership * Respect * Stay Curious * Make it Better Learn more about Varo by following us: Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings! Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. About The RoleVaro represents a new generation of fintech built on technology and innovation to empower consumers. We serve millions of Americans with our mobile app to make digital banking easy, convenient, and personalized. As a Senior Data Scientist (Machine Learning), you'll get the chance to develop innovative models that affect millions of users in the fintech space. You'll work with experienced Machine Learning Scientists as well as collaborate with your peers on exciting science problems in the fraud detection, risk modeling, personalization, operations, and causal inference spaces. About the Data Science TeamVaro's Data Science Team develops Machine Learning models that make it easier for the right people to get access to funds, help protect customers from fraudsters, and transform the in-app experience with real-time recommendations. Unlike some organizations where data takes a support role, here at Varo data science is front and center. Since we are in hyper-growth mode, you will get to work on the most impactful data science problems from day one. We rely on advanced techniques in machine learning, cloud platforms, and data technology. We're a team of PhDs and ex-academics with a collegial work atmosphere. If you are interested in working with an impressive team of Data pros who collaborate and challenge each other and want to solve interesting problems to propel the company's growth, apply now!What you'll be doing Develop production-grade ML algorithms, such as fraud detection algorithms, recommender systems, dynamic credit risk models, and large-scale causal inference models, as well as processes for monitoring and analyzing their performance Leverage large data sets from different sources, and use modern modeling techniques such as tree-based methods, neural networks, and reinforcement learning to increase and optimize customer experiences, customer acquisition, underwriting, and other business outcomes Work with stakeholders throughout the organization to identify opportunities for driving business decisions or improving our product suite with ML Collaborate cross-functionally with the engineering team to deploy models and monitor outcomes You'll bring the following required skills and experiences An advanced degree in a quantitative field - computer science, engineering, statistics, operations research, economics, etc. 4+ years of experience as a Data Scientist, Machine Learning Scientist, or Research Scientist as an individual contributor, including but not limited to relevant experience from your PhD research Experience applying a wide range of statistical techniques to large data sets, and understanding their real-world advantages/drawbacks Experienced in using Python for analysis, modeling, and visualization (numpy, pandas, scikit, nltk, matplotlib, etc.) Ability to thrive in a fast-paced environment Strong bias for action and team player Preferred: Familiarity with Sagemaker, Spark, TensorFlow, Keras, and PyTorch #MidSenior We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company's Most Innovative Companies, Forbes' Fintech 50, and earned the No. 7 spot on Inc. 5000's list of fastest-growing companies across the country. Varo. A bank for all of us. Our Core Values- Customers First- Take Ownership- Respect- Stay Curious- Make it Better Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: ****************************************

Job DescriptionVaro is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $250,000 - $300,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range. This role is also eligible for a bonus, equity, and competitive benefits. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

The Wealthfront Data Science team utilizes our rich financial and behavioral data to influence Marketing, Product and information security decisions. The team draws from backgrounds in Computer Science, Natural Sciences, Statistics, Operations Research, Economics and Finance. The Data Scientist in this role will be primarily embedded within Wealthfront's Lifecycle (LC) Marketing team. The objectives of the LC Marketing team are maximizing lead conversion and optimizing client engagement. The team addresses these goals by designing and executing personalized campaigns delivered via Emails, InApp merchandising, and push notifications. The set of potential projects for this role includes (but is not limited to) client segmentation, campaign design and analysis, and client value modeling. A successful Lifecycle Marketing Data Scientist employs a combination of economic intuition, first-principles mathematical modeling, statistics (including causal inference) and machine learning. A key desired trait for this role is an ability to collaboratively create experiments based on clients' hypothesized pain points, aspirations, and moments of delight. An ideal candidate will also act as a mentor to junior team members and demonstrate an ability to explain technical concepts in a simple language. Responsibilities * Suggest and analyze Lifecycle Marketing campaigns rooted in clients' delight and friction. * Employ and exemplify rigor in mathematical analyses and sound design principles in software development. * Collaborate with the Lifecycle Marketing team to define quarterly and yearly initiatives. * Turn initiatives into projects with clear rationale, candidate approaches and milestones. * Execute planned projects through hands-on work and delegation. This includes tracking priority and progress of projects in weekly meetings. * Articulate technical information, including assumptions, methodologies, and outcomes to specialists across disciplines. Translate hunches to hypotheses and numbers into recommendations. * Absorb and articulate the Marketing strategy and project rationales to Data Scientists. Requirements * Masters or PhD degree in Computer Science, Statistics, Operations Research or Natural Sciences, with 4-8+ years of prior experience as a Data Scientist. * Proficiency in Python and SQL * A strong foundation in practical Statistics including the use of causal inference. * Strong mathematical and software engineering skills. * Fluency in long and short form oral and written communication. * Ability to sharpen or reframe project requirements through effective collaboration. * Desire to mentor junior Data Scientists by exemplifying math, engineering and technical communication skills. * Experience in a Marketing facing role preferred, but not required Estimated annual salary range: $164,000 - $184,000 plus Equity and a discretionary bonus. Benefits include medical, vision, dental, 401K plan, generous time off, parental leave, wellness reimbursements, professional development, employee investing discount, and more! About Wealthfront Here at Wealthfront, our mission is to create a financial system that favors people, not institutions. We do this by leveraging technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money. We started with the ambition to transform the investment advisory business. By automating strategies typically reserved for the wealthy, we unlocked access to high quality investment advice for a digitally-native generation that was underserved by traditional institutions. Since then, we've expanded to a full suite of products designed to help our clients turn their savings into long-term wealth, including: * A Cash Account that, through our partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, while providing instant and secure access to your money with no account fees and a full suite of checking features. * A zero-commission Stock Investing Account with 50+ handpicked collections that help DIY investors discover new companies and make smarter investing decisions. * Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing-which we offer at industry-leading low costs and accessible minimums. Our award-winning products have attracted over 1 million clients who trust us with more than $85 billion of their hard earned savings-and we're far from done. If you're inspired to help us reshape the financial industry as we create our next chapter, let's talk! For more information please visit ********************** are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Please review our candidate privacy notice. Disclosures: All investing involves risk, including the possible loss of principal. Tax-Loss Harvesting benefits vary depending on the client's entire tax and investment profile. Wealthfront doesn't provide tax advice. The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the variable interest rate, and provide access to FDIC pass-through insurance. Investment management and advisory services-which are not FDIC insured-are provided by Wealthfront Advisers LLC ("Wealthfront Advisers"), an SEC-registered investment adviser. The checking features offered in the Wealthfront Cash Account are provided by Green Dot Bank, Member FDIC. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. By "award-winning products", please refer to *************************** for more information. Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

The Wealthfront Data Science team utilizes our rich financial and behavioral data to influence Marketing, Product and information security decisions. The team draws from backgrounds in Computer Science, Natural Sciences, Statistics, Operations Research, Economics and Finance. The Data Scientist in this role will be primarily embedded within Wealthfront's Lifecycle (LC) Marketing team. The objectives of the LC Marketing team are maximizing lead conversion and optimizing client engagement. The team addresses these goals by designing and executing personalized campaigns delivered via Emails, InApp merchandising, and push notifications. The set of potential projects for this role includes (but is not limited to) client segmentation, campaign design and analysis, and client value modeling. A successful Lifecycle Marketing Data Scientist employs a combination of economic intuition, first-principles mathematical modeling, statistics (including causal inference) and machine learning. A key desired trait for this role is an ability to collaboratively create experiments based on clients' hypothesized pain points, aspirations, and moments of delight. An ideal candidate will also act as a mentor to junior team members and demonstrate an ability to explain technical concepts in a simple language.Responsibilities Suggest and analyze Lifecycle Marketing campaigns rooted in clients' delight and friction. Employ and exemplify rigor in mathematical analyses and sound design principles in software development. Collaborate with the Lifecycle Marketing team to define quarterly and yearly initiatives. Turn initiatives into projects with clear rationale, candidate approaches and milestones. Execute planned projects through hands-on work and delegation. This includes tracking priority and progress of projects in weekly meetings. Articulate technical information, including assumptions, methodologies, and outcomes to specialists across disciplines. Translate hunches to hypotheses and numbers into recommendations. Absorb and articulate the Marketing strategy and project rationales to Data Scientists. Requirements Masters or PhD degree in Computer Science, Statistics, Operations Research or Natural Sciences, with 4-8+ years of prior experience as a Data Scientist. Proficiency in Python and SQL A strong foundation in practical Statistics including the use of causal inference. Strong mathematical and software engineering skills. Fluency in long and short form oral and written communication. Ability to sharpen or reframe project requirements through effective collaboration. Desire to mentor junior Data Scientists by exemplifying math, engineering and technical communication skills. Experience in a Marketing facing role preferred, but not required Estimated annual salary range: $164,000 - $184,000 plus Equity and a discretionary bonus. Benefits include medical, vision, dental, 401K plan, generous time off, parental leave, wellness reimbursements, professional development, employee investing discount, and more! About Wealthfront Here at Wealthfront, our mission is to create a financial system that favors people, not institutions. We do this by leveraging technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money. We started with the ambition to transform the investment advisory business. By automating strategies typically reserved for the wealthy, we unlocked access to high quality investment advice for a digitally-native generation that was underserved by traditional institutions. Since then, we've expanded to a full suite of products designed to help our clients turn their savings into long-term wealth, including: • A Cash Account that, through our partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, while providing instant and secure access to your money with no account fees and a full suite of checking features. • A zero-commission Stock Investing Account with 50+ handpicked collections that help DIY investors discover new companies and make smarter investing decisions. • Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing-which we offer at industry-leading low costs and accessible minimums. Our award-winning products have attracted over 1 million clients who trust us with more than $85 billion of their hard earned savings-and we're far from done. If you're inspired to help us reshape the financial industry as we create our next chapter, let's talk! For more information please visit ********************** are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Please review our candidate privacy notice. Disclosures: All investing involves risk, including the possible loss of principal. Tax-Loss Harvesting benefits vary depending on the client's entire tax and investment profile. Wealthfront doesn't provide tax advice. The Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the variable interest rate, and provide access to FDIC pass-through insurance. Investment management and advisory services-which are not FDIC insured-are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser. The checking features offered in the Wealthfront Cash Account are provided by Green Dot Bank, Member FDIC. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. By “award-winning products”, please refer to *************************** for more information. Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: ****************************************

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: ****************************************

About Us Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve. We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day. Some of our benefit offerings include: Medical, Dental, and Vision Insurance Life Insurance Flexible Spending Accounts (FSA) Accident, Hospital, Indemnity Insurance Short Term Disability (STD) and Long-Term Disability (LTD) Insurance Employee Assistance Program (EAP) 401(k) Plan Employee Stock Ownership Plan (ESOP) Tuition Reimbursement Paid Holidays Paid Time Off (PTO) Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle) Referral Bonus Quarterly lunches Daily fresh fruit Office Starbucks Coffee/Latte/Espresso Machine And a lot more! About The Position The Data Scientist will be part of a team responsible for creating ML solutions and analysis to help mitigate portfolio risk. You will perform and implement the results of analysis into our decisioning API. The ideal candidate will have 1 to 3 years of experience in the financial services sector, with hands on demonstrable experience in machine learning and working in cloud environments. Essential Responsibilities: Perform advanced data and statistical analysis in support of the creation and maintenance of performance scorecards. Support the Credit Risk Management team in data analysis and model construction. 1+ years of experience with designing, building, and deploying scalable, highly available, and fault tolerant systems in a cloud environment. Manage, maintain, and improve our decisioning application on AWS Develop and integrate model strategy to support business initiatives and risk-based pricing. Perform data manipulation and analysis using SQL, R or Python and Microsoft Excel. Develop Machine Learning models in areas such as segmentation analysis, logistic regression, decision trees and other advanced algorithms. Incorporate observations and data into existing models to improve predictive results. Identify deviations from forecast/expectations and explain variances. Contribute to loss forecasts, demographic and credit limit utilization analysis. Prepare exhibits and supporting materials. Develop recommendations for credit policy. Track portfolio performance and risk strategy results. Identify opportunities to leverage statistical solutions to solve business problems. Other duties as assigned. Essential Requirements: Familiarity with Python machine learning frameworks and tools. Experience in Consumer Lending a plus (Auto Finance, Mortgage, Credit Cards, Personal Lending, etc.) Strong SQL skills for data extraction and analysis Proficiency with Microsoft Excel Exposure to software development methodologies like using GIT and understanding of how APIs work. Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. Strong communication and problem-solving skills with the ability to interact with others in a professional, tactful, and sensitive manner. Demonstrated ability to communicate technical concepts to a non-technical audience. Demonstrated ability to manipulate and analyze data across large databases. Detail oriented and organized with a strong work ethic and team focus. Ability to work in a fast-paced environment, both independently and as part of a team with the ability to work under tight deadlines and manage more than one assignment at a time. Advanced Degree in Mathematics, Statistics, Computer Science, Quantitative Analysis or equivalent work experience. Knowledge of A/B testing and other experimental design methodologies. Salary: $95,000.00 - $115,000.00 annually + Bonus **In-office position based at our Corporate Office in Santa Ana, CA. Candidates must reside within 20 miles of this location.** We do not offer employment sponsorship. Veros Credit, LLC is an equal opportunity employer. **This Organization Participates in E-Verify

About Us Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve. We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day. Some of our benefit offerings include: Medical, Dental, and Vision Insurance Life Insurance Flexible Spending Accounts (FSA) Accident, Hospital, Indemnity Insurance Short Term Disability (STD) and Long-Term Disability (LTD) Insurance Employee Assistance Program (EAP) 401(k) Plan Employee Stock Ownership Plan (ESOP) Tuition Reimbursement Paid Holidays Paid Time Off (PTO) Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle) Referral Bonus Quarterly lunches Daily fresh fruit Office Starbucks Coffee/Latte/Espresso Machine And a lot more! About The Position The Data Scientist will be part of a team responsible for creating ML solutions and analysis to help mitigate portfolio risk. You will perform and implement the results of analysis into our decisioning API. The ideal candidate will have 1 to 3 years of experience in the financial services sector, with hands on demonstrable experience in machine learning and working in cloud environments. Essential Responsibilities: Perform advanced data and statistical analysis in support of the creation and maintenance of performance scorecards. Support the Credit Risk Management team in data analysis and model construction. 1+ years of experience with designing, building, and deploying scalable, highly available, and fault tolerant systems in a cloud environment. Manage, maintain, and improve our decisioning application on AWS Develop and integrate model strategy to support business initiatives and risk-based pricing. Perform data manipulation and analysis using SQL, R or Python and Microsoft Excel. Develop Machine Learning models in areas such as segmentation analysis, logistic regression, decision trees and other advanced algorithms. Incorporate observations and data into existing models to improve predictive results. Identify deviations from forecast/expectations and explain variances. Contribute to loss forecasts, demographic and credit limit utilization analysis. Prepare exhibits and supporting materials. Develop recommendations for credit policy. Track portfolio performance and risk strategy results. Identify opportunities to leverage statistical solutions to solve business problems. Other duties as assigned. Essential Requirements: Familiarity with Python machine learning frameworks and tools. Experience in Consumer Lending a plus (Auto Finance, Mortgage, Credit Cards, Personal Lending, etc.) Strong SQL skills for data extraction and analysis Proficiency with Microsoft Excel Exposure to software development methodologies like using GIT and understanding of how APIs work. Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. Strong communication and problem-solving skills with the ability to interact with others in a professional, tactful, and sensitive manner. Demonstrated ability to communicate technical concepts to a non-technical audience. Demonstrated ability to manipulate and analyze data across large databases. Detail oriented and organized with a strong work ethic and team focus. Ability to work in a fast-paced environment, both independently and as part of a team with the ability to work under tight deadlines and manage more than one assignment at a time. Advanced Degree in Mathematics, Statistics, Computer Science, Quantitative Analysis or equivalent work experience. Knowledge of A/B testing and other experimental design methodologies. Salary: $95,000.00 - $115,000.00 annually + Bonus **In-office position based at our Corporate Office in Santa Ana, CA. Candidates must reside within 20 miles of this location.** We do not offer employment sponsorship. Veros Credit, LLC is an equal opportunity employer. **This Organization Participates in E-Verify

Job DescriptionVaro is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $250,000 - $300,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range. This role is also eligible for a bonus, equity, and competitive benefits. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Job DescriptionVaro is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $250,000 - $300,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range. This role is also eligible for a bonus, equity, and competitive benefits. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending.What you'll be doing Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences 8+ years of experience in Data Science, Applied Science, or a related quantitative field. Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: ****************************************

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics, machine learning, and causal inference to catalyze decision-making and propel Varo's growth. You will lead the Data Science function within Varo's comprehensive Data organization (which includes Data Analytics, Data Product Management, Data Engineering, and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition, engagement, fraud prevention, and responsible lending. What you'll be doing * Strategic Ownership: Define, own, and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varo's core business verticals. * Model Innovation & Delivery: Lead the development, validation, and production deployment of custom machine learning and statistical models that are critical for decision-making. * Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders, translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions. * Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality, accessibility, and lineage of new data sources. Ensure all models and analyses adhere to Varo's risk framework and regulatory requirements for fairness and transparency. * Operational Excellence: Establish and own the ML Model Performance Monitoring processes, ensuring deployed models maintain accuracy and business impact over time and are governed appropriately. * Team Leadership & Mentorship: Attract, hire, mentor, and coach a high-performing team of Data Scientists, setting a high bar for technical rigor, business acumen, and cross-functional collaboration. You'll bring the following required skills and experiences * 8+ years of experience in Data Science, Applied Science, or a related quantitative field. * Deep Domain Expertise: Proven track record of delivering measurable business impact in the lending space. * Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas, Scikit-learn, PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods, machine learning algorithms, and causal inference techniques to large, real-world datasets. * Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g., Spark, Hive) and cloud web services (e.g., AWS, GCP, or Azure). * Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment, attract high-quality talent, and drive a data-informed culture. $250,000 - $300,000 a year For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $250,000 - $300,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range. This role is also eligible for a bonus, equity, and competitive benefits. We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About Varo Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us: Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings! Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: **************************************** We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.