Senior Data Scientist - AI, Risk & Growth (Remote)

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

Benefits offered by this job

Remote-first within US

Job summary

zipcolimited is leading the analytics strategy for a smoothing product initiative in the financial services space, guiding development of cash advances and rent advances. The role covers zero-to-one problems to scaled adoption, with ownership of measurement, modeling foundations, and risk trade-offs that shape product strategy and sustainable growth.

As a senior analytics partner, you will architect ML/AI solutions on bank transaction data, explore questions that surface opportunities, and

Qualifications

• PhD or equivalent in a quantitative field; advanced degree preferred.
• 7+ years data science, with 4+ years in financial services.
• Strong problem-solving and independent work ability.
• Experience with cashflow data sources such as Plaid, MX, or Finicity.
• Proficiency in Python and SQL; Spark/PySpark is a plus.
• Experience with neural networks, LLMs, and generative AI.

Responsibilities

• Architect, build, and scale ML/AI solutions using bank transaction data.
• Explore open-ended questions to surface new product opportunities.
• Rapid experimentation and delivery of proofs of concept to production.
• Establish evaluation frameworks and decision criteria for scaling or stopping.
• Provide technical direction to other data scientists and own outcomes.

Skills

Python

SQL

Spark/PySpark

LLMs

Neural networks

Statistics

Problem solving

Education

PhD in quantitative field

Tools

Spark/PySpark

Python

SQL

LLMs

Job description

zipcolimited is leading the analytics strategy for a smoothing product initiative in the financial services space, guiding development of cash advances and rent advances. The role covers zero-to-one problems to scaled adoption, with ownership of measurement, modeling foundations, and risk trade-offs that shape product strategy and sustainable growth.

As a senior analytics partner, you will architect ML/AI solutions on bank transaction data, explore questions that surface opportunities, and