Remote-Eligible Senior Data Scientist, FinTech Risk

Upgrade, Inc.; San Francisco (CA); Hybrid; USD 100,000 - 150,000; Full time

Benefits offered by this job

Stock options

Medical, dental, vision insurance

401(k) and RRSP program

Flexible PTO

Professional growth and development

Paid parental leave

Health & wellness initiatives

Job summary

Upgrade, Inc. in San Francisco is seeking a highly analytical Data Scientist to join Flex Pay in the BNPL sector. You will build predictive risk models, optimize offers and pricing, and extract insights to drive product development, risk mitigation, and customer strategy.

The role blends statistics, machine learning, and practical programming. You will collaborate with risk, marketing, product, and engineering teams in a hybrid SF or remote setup.

Qualifications

• Advanced degree in a quantitative field (MS/PhD).
• 3–5+ years in data science/analytics, preferably financial services.
• Strong Python and SQL skills; familiarity with ML techniques.

Responsibilities

• Build and maintain credit and fraud policy simulators.
• Develop models for credit risk, fraud detection, pricing, and segmentation.
• Validate models and analyze large datasets with Python/SQL.
• Collaborate with risk, marketing, product, and engineering teams.

Skills

Analytical thinking

Communication

Team collaboration

Education

MS/PhD in Data Science or related

Tools

Python (Pandas/Numpy/Scikit-learn)

SQL

Tableau/Power BI

PySpark

Claude

Job description

Upgrade, Inc. in San Francisco is seeking a highly analytical Data Scientist to join Flex Pay in the BNPL sector. You will build predictive risk models, optimize offers and pricing, and extract insights to drive product development, risk mitigation, and customer strategy.

The role blends statistics, machine learning, and practical programming. You will collaborate with risk, marketing, product, and engineering teams in a hybrid SF or remote setup.