Risk Analyst / Data Scientist (AI, Credit Risk & Predictive Modeling)

Giggle Finance; Miami (FL); Hybrid; USD 110,000 - 150,000; Full time

Job summary

Giggle Finance is a fintech company focused on making capital accessible to gig workers, self-employed, and small businesses. The Risk team drives underwriting, fraud prevention, and portfolio strategy using data-driven decisions.

You will join a team that uses AI, SQL, Python or R, and Snowflake to build models, run experiments, and deliver insights that move into production quickly. We value curiosity and rapid learning in a fast-paced environment.

Qualifications

• Bachelor’s degree in Statistics, Computer Science, Mathematics, Economics, Engineering, Psychology, Sociology, or another quantitative discipline.
• Master’s degree is a plus.
• We DON’T care about formal fintech experience; curiosity and analytical ability matter more.

Responsibilities

• Partner directly with the Chief Risk Officer to solve high-impact analytical problems.
• Build predictive models that improve underwriting, fraud detection, pricing, acquisition, and portfolio performance.
• Use AI daily to accelerate research, automate analysis, and improve development speed.
• Design experiments, A/B tests, and statistical analyses to guide decisions.
• Write production-quality SQL and develop analytical solutions in Python and/or R, plus Snowflake.
• Transform large datasets into actionable business intelligence and visualizations or models.
• Build dashboards and executive reports used across the company.
• Collaborate with Engineering, Product, Finance, Operations, and Marketing to production systems.

Skills

Advanced SQL

Python

R

Statistical modeling

Machine learning

Data visualization

AI-assisted analytics

Education

Bachelor's degree in Statistics/CS/Math/Engineering

Master's degree (plus)

Tools

Snowflake

Job description

Miami or Puerto Rico (Hybrid) or Fully Remote (let’s talk about it)

The Mission

Giggle Finance is a successful fintech company on a relentless mission to re-engineer financial

services for the underserved. We don’t just move fast; we execute, learn from our mistakes,

tweak on the fly, and win. Our leadership team is small, data-driven, and completely unburdened

by corporate bureaucracy.

Today, over one-half of the U.S. workforce earns income through gig work, self-employment, or small businesses. We build technology that gives these entrepreneurs fast, transparent access to capital when they need it most.

Our Risk team sits at the center of nearly every important decision the company makes—from underwriting and fraud prevention to portfolio strategy, pricing, experimentation, product development and marketing. If you enjoy solving difficult problems with data and seeing your work deployed into production almost immediately, you’ll love it here.

Who You Are

You Think Like (or are) a Scientist

You naturally break apart complicated problems, challenge assumptions, and search for the underlying truth hidden inside data. You are naturally inquisitive and curious – you approach every problem as an opportunity to learn something new – including your own personal and professional growth. You are not afraid to try something new, even if it doesn’t work out, for the sake of “science.” You either have financial services experience, or you don’t, and none of that matters… what actually matters is your ability to learn quickly and adapt to the market conditions, doing what it takes to get the job done. You are a self-starter who can work independently but also thrives working in a collaborative environment. You want to teach us something, as much as you want to learn from us. We will get along if you can answer “yes” to many of the proceeding statements :)

AI Is Part of Your Daily Workflow

You use AI constantly.

Whether you’re writing SQL, engineering features, building models, debugging code, or exploring new ideas, AI makes you dramatically more productive—not because it replaces your thinking, but because it amplifies it. You use Python, R, SQL, LLMs, modern ML frameworks…and these are all just tools in your toolbox. You are as enamored with bleeding edge technology as we are… and you wake up in the morning thinking about how you can use it to solve complex problems. If this sounds like you, then we want to talk!

You Thrive in Ambiguity and Own outcomes

Some people need perfectly defined requirements, you don’t. You can take an unclear business problem and can figure out how to structure it, test it, model it, and deliver an answer. In those situations where others may not completely understand, you are willing to work to lead the charge, and get everyone on board. You don’t wait to be “instructed…” you take control when you believe in something. You may go down a rabbit hole, but you come up on the other side with a solution that perhaps no one could’ve predicted. We love that!

You Can Explain Complex Ideas Simply

The best analysis in the world has little value if nobody understands it. You can present sophisticated statistical findings in a way that executives immediately understand and can confidently act upon. You think about thinking about things, so you can better articulate them to all audiences. Knowledge is not valuable if it only lives in your head… so you make sure it’s shared.

What You’ll Do

• Partner directly with the Chief Risk Officer to solve some of the company’s highest-impact analytical problems
• Build predictive models that improve underwriting, fraud detection, pricing, acquisition, and portfolio performance
• Use AI every day to accelerate research, automate analysis, and improve development speed
• Design experiments, A/B tests, and statistical analyses that guide strategic decisions
• Write production-quality SQL and develop analytical solutions in Python and/or R, plus Snowflake
• Transform large, messy datasets into actionable business intelligence (whether that be new datasets,new visualizations, or new models)
• Build dashboards, executive reports, and analytical tools used across the company
• Collaborate closely with Engineering, Product, Finance, Operations, and Marketing to turn ideas into production systems
• Constantly ask “How can we make this decision better?”

What You’ve Done

Strong Analytical Foundation

Bachelor’s degree in Statistics, Computer Science, Mathematics, Economics, Engineering, Psychology, Sociology, or another quantitative discipline.

Master’s degree is a plus.

We DON’T care about formal experience – if you are a self-starter, interested in learning fintech, are passionate about data, AND you are analytical, the rest comes easy. So, even without formal fintech experience, we welcome your experience and can collaborate on applying it to our risk practice.

3+ years solving real business problems through analytics, statistics, machine learning, or quantitative research (we’re hiring at all levels).

Experience in fintech, lending, fraud, or financial services is a plus for the first call in that you probably already have a rough idea of what we do – but absolutely not required. Better to have a strong track record of solving complex problems, and we love talking about Giggle Finance anyway.

Technical Skillset

• Advanced SQL
• Python and/or R
• Statistical modeling
• Machine learning fundamentals
• Experience leveraging AI to accelerate analysis and development
• Curiosity (perhaps the most important qualification, we hire people who ask better questions than everyone else.)

What’s In It For You?

• Work That Matters
• oYour models won’t sit on a shelf.
• oThey’ll directly influence millions of dollars in real risk decisions.
• oIf the data supports an idea, we’ll build it. No endless committees and no bureaucracy.
• oYou’ll work directly with executive leadership and have an unusual amount of influence for someone in an analytical role.
• oCompetitive compensation. Performance bonus. Meaningful equity. A front-row seat as Giggle continues to scale.