Senior Data Scientist AI/ML for Financial Products Remote

Zipcolimited; United States; Remote; USD 192,000 - 240,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Unlimited PTO

Generous paid parental leave

Leading family support policies

Company-sponsored 401k match

Learning and wellness subscriptionstip

Beautiful Union Square office with a/c

Industry-leading, employer-sponsored 1

Job summary

Zip is seeking a Staff Data Scientist to define, architect, build, implement and scale ML/AI solutions driving new financial product capabilities. You will own end-to-end projects, mentor junior scientists, and collaborate with engineering to productionize models.

You will balance quick business wins with ambitious long-term experiments, leveraging bank transaction data and advanced analytics to steer product decisions and growth in a remote-first environment with an in-person option in

Qualifications

• Advanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)
• 7+ years of experience in Data Science (can include PhD work)
• 4+ years of experience in Data Science in Financial Services
• Self-starter mentality with strong problem-solving and research skills; able to work independently to drive solutions
• Solid grasp of the fundamentals of probability, statistics, and applied research methods
• Experience working with cashflow data (e.g., Plaid, MX, Finicity)
• Proficiency in Python and SQL; hands-on experience with Spark/PySpark a plus
• Experience with Neural Networks, LLMs, GenAI
• Experience with credit and/or fraud risk a plus
• Proven track record managing large-scale projects end-to-end
• Ability to thrive in a fast-paced, multi-tasking environment

Responsibilities

• Design and build AI/ML models leveraging bank transaction data to enable new product capabilities
• Explore open-ended problems within bank transaction data as well as other sources to enable new product capabilities
• Rapidly experiment, build, and iterate on solutions, providing realistic proofs of concept that can be tested and refined
• Establish clear evaluation frameworks and decision criteria for what should scale, change, or stop
• Provide technical direction to other data scientists on complex workstreams, delegating defined components where appropriate while retaining accountability for technical quality and outcomes
• Assist with test designs that produce the data necessary to build future versions of your models
• Balance short-term wins with longer-term experimental work that drive overall value of the business
• Leverage AI across your entire stack, from boosting productivity to building custom neural network/LLM solutions
• Build models that mitigate risk while driving profitable growth for the business
• Work closely with partnering engineering teams to make sure solutions are scalable and stable
• Act as a primary technical owner and point of contact for the family of models in this business domain, advising senior stakeholders on model trade-offs and implications

Skills

Python

SQL

Spark

LLMs

GenAI

Neural Networks

Cashflow data

Education

PhD preferred in quantitative field

Tools

Plaid

MX

Finicity

Job description

Zip is seeking a Staff Data Scientist to define, architect, build, implement and scale ML/AI solutions driving new financial product capabilities. You will own end-to-end projects, mentor junior scientists, and collaborate with engineering to productionize models.

You will balance quick business wins with ambitious long-term experiments, leveraging bank transaction data and advanced analytics to steer product decisions and growth in a remote-first environment with an in-person option in