AI Data Scientist

Billgo,-Inc.-1; Fort Collins (CO); On-site; USD 120,000 - 180,000; Full time

Job summary

Billgo, Inc. in Fort Collins, CO is seeking a Data Scientist to shape the future of data-driven fintech. You will develop AI-powered models for risk, fraud prevention, customer insights and payment optimization, and deploy them into production to influence financial decisions and operations.

You will handle data engineering, feature design, model governance, and collaborate with Product and Compliance. The role emphasizes experimentation, regulatory awareness, and staying ahead in generative AI

Qualifications

• 3+ years in data science or AI-focused fintech role.
• Proficient in Python and ML frameworks; experience with data pipelines.
• Experience with supervised/unsupervised learning, NLP, and generative AI.
• Familiarity with PCI-DSS, GDPR and model governance.

Responsibilities

• Develop and deploy ML models to optimize targeting, monitoring, and growth opportunities.
• Build forecasting models to improve transaction accuracy and detect anomalies.
• Clean and transform large financial datasets with emphasis on data integrity and compliance.
• Collaborate with Product to integrate AI solutions into production systems.
• Lead A/B tests and model evaluations for regulatory compliance.
• Translate technical findings for business and compliance teams.
• Stay updated on generative AI and LLMs for fintech applications.

Skills

Python

Machine Learning

NLP

Generative AI

Anomaly Detection

Data Pipelines

Model Governance

Data storytelling

Education

Bachelor's or Master's in Data Science/CS/Statistics

Tools

scikit-learn

TensorFlow

PyTorch

Snowflake

Tableau

Job description

About the RoleWe’re looking for a Data Scientist with deep AI and machine learning expertise to help shape the future of data-driven innovation in fintech. You’ll work on developing intelligent systems that power risk modeling, fraud prevention, customer insights and targeting, and payment optimization. Your models will have a direct impact on financial decisions, operational efficiency, and customer trust across our products.Key ResponsibilitiesAI-Driven Insights: Develop and deploy advanced machine learning models to optimize customer targeting, payment monitoring and growth and operational efficiency opportunities.Predictive Modeling: Build forecasting models to improve transaction accuracy, detect anomalies, and assess financial risk.Data Engineering & Feature Design: Clean, transform, and model large, high-velocity financial datasets with attention to data integrity and compliance.AI Product Integration: Collaborate with Product to integrate AI solutions into production systems for real-time financial decisioning.Experimentation: Lead A/B tests and model performance evaluations to validate model effectiveness and regulatory compliance.Communication: Translate technical findings into actionable insights for business leaders and compliance teams.Research & Innovation: Stay on top of advancements in generative AI, LLMs, and financial AI applications to guide innovation strategy.Required QualificationsBachelor’s or Master’s degree in Data Science, Computer Science, Statistics, or related field.3+ years of experience in a data science or AI-focused role within fintech, banking, or payments.Expertise in Python, machine learning frameworks (scikit-learn, TensorFlow, PyTorch), and data pipelines.Strong background in supervised/unsupervised learning, anomaly detection, NLP, and generative AI.Familiarity with financial data structures, regulatory standards (e.g., PCI-DSS, GDPR), and model governance.Experience with cloud platforms such as Snowflake for ML deployment.Preferred QualificationsExperience in fraud analytics, risk scoring, or payment decision models.Understanding of MLOps and continuous model monitoring in regulated environments.Familiarity with financial transaction data, open banking APIs, or real-time payments systems.Experience developing LLM-powered assistants or AI copilots for financial operations or support.Strong data storytelling and visualization skills (Tableau preferred).