Data Scientist (AHL)

Jobzhr; San Mateo (CA); Hybrid; USD 140,000 - 160,000; Full time

Benefits offered by this job

401(k) with employer match

Medical, dental, and vision with HSA/F

Vacation and sick time

Employee wellness programs

Pet care discounts

Achieve Care Fund

Job summary

Achieve, a leading digital personal finance company, is seeking a Data Scientist (potential uplevel to Sr. Data Scientist) in the San Mateo, CA area.

You will develop and deploy predictive and descriptive models across the customer lifecycle and build BI to monitor program results. You will partner with stakeholders, conduct deep-dive analytics on strategic initiatives, and translate complex results into clear business value.

Qualifications

• 1–2+ years of experience as a professional data scientist.
• Education in a hard quantitative field (e.g., Math, Stats, Economics, OR).
• Advanced degree (MS) preferred but not required depending on experience.

Responsibilities

• Conduct deep-dive analytics on strategic initiatives.
• Access data, run analytics models, and solve business problems.
• Understand and influence the pillars of conceptual risk modeling.
• Establish and maintain relationships with internal stakeholders.
• Serve as a strategic thought partner for other Data Science team members.

Skills

Risk modeling

Analytic skills

SQL

Python/R

Communication

Independent work

Education

Hard quantitative field degree

MS preferred

Tools

Tableau

Oscilar

TakTile

GCP

Job description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry‑leading, tech‑enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking‑as‑a‑service partner.

Job Description

As a Data Scientist (potential uplevel to Sr. Data Scientist for the right experience), you’ll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. You will focus on developing and deploying predictive and descriptive models throughout the customer lifecycle, including machine learning models. Additionally, you will conduct strategic analytics and develop BI to monitor program results. You will serve as a strategic thought partner for leaders throughout the company, helping them in identifying and exploiting opportunities where modeling and analytics can add value.

What you’ll do

• Conduct deep-dive analytics on strategic initiatives
• Access data, run analytics models, solve business problems.
• Understand an influence the pillars of conceptual risk modeling
• Establish and maintain relationships with internal stakeholders.
• Serve as a strategic thought partner for other members of the Data Science team

Qualifications

What you’ll bring:

• 1-2+ years of experience as a professional data scientist. This is a must. (Experience in a regulated industry like banking with hands‑on compliance work is a plus).
• Excellent risk modeling and analytic skills.
• Proficient coding skills in SQL and Python/R.
• Experience developing BI dashboards using Tableau is a plus
• Keen eye for opportunities to get value from data.
• Ambitious, resourceful, and possessed of excellent judgment as evidenced by steadily growing professional responsibility.
• Strong organizational skills with an ability to manage multiple projects at any given time.
• Strong verbal and written communication skills. In particular, be able to convert highly technical concepts and results into easily understood business value proposition.
• Demonstrated ability to work independently as a self‑starter.
• Education in a “hard” quantitative field (e.g. Math, Stats, Economics, Operations Research, etc.), with evidence of outstanding academic achievement. This is a must.
• Ideal candidates will have an advanced degree (>= MS), although professional experience and achievement are more important.

Preferred

• Experience in consumer lending domain (secured/unsecured loans, credit cards, etc.) or fintech lending environment.
• Experience with credit risk modeling (development & monitoring) and loss/prepayment forecasting.
• Experience working with credit decisioning engines such as Oscilar, TakTile etc. will be a plus.
• Experience working with capital markets and servicing businesses.
• Knowledge or working experience in loan-level economics, yield curves, margins/profitability, etc.
• Experience working in the GCP environment.
• A Passion for fintech, agile environment, ability to work both independently and in a collaborative, fast‑paced team.

Additional Information

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $140,000 - $160,000 + bonus + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

At Achieve, we’re changing millions of lives.

From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work‑from‑home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well‑being first.