Senior Data Scientist - Flex Pay

Upgrade; San Francisco (CA); Ibrido; USD 100.000 - 150.000; Tempo pieno

Vantaggi offerti da questo lavoro

Stock options

Medical, dental and vision insurance

401(k) plan

Flexible PTO

Professional growth opportunities

Parental leave

Wellness initiatives

Descrizione del lavoro

Upgrade is seeking a Data Scientist for its Flex Pay BNPL platform in San Francisco. The role focuses on building predictive risk models, optimizing offers/pricing, and delivering insights to guide product, risk mitigation, and customer strategy. It requires strong stats, ML, and programming skills.

The position is based in SF with hybrid work on Wednesdays and Thursdays. You will build and deploy models for credit risk, fraud detection, pricing, and customer segmentation, and collaborate across

Competenze

• MS/PhD in Data Science or related quantitative field
• 3–5+ years in data science/analytics, preferably financial services
• Experience or strong interest in machine learning techniques
• Strong Python (Pandas, NumPy, Scikit-learn) and SQL
• Ability to document analyses for varied audiences
• Proactive, driven, able to work in a fast-paced environment

Mansioni

• Build and maintain credit and fraud policy simulators
• Develop models for credit risk, fraud, pricing, segmentation, and marketing attribution
• Validate models to understand performance drivers
• Analyze large structured and unstructured data with SQL and Python
• Stay updated on data science/fintech trends and tools
• Collaborate with risk, marketing, product and engineering to drive data-driven strategies

Descrizione del lavoro

About the Role:

We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming.

This position is based in our San Francisco office in a hybrid capacity, specifically on Wednesdays and Thursdays.

What You’ll Do

• Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements.
• Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution.
• Validate models to identify factors that may affect model performance.
• Analyze large, structured and unstructured datasets using SQL, Python or similar tools.
• Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development.
• Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies.

What We Look For

• Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline.
• 3-5+ years of hands-on experience in a data science or analytics role, preferably in financial services.
• Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred.
• Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL.
• Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.).
• Proactive, driven, and ability to work in a fast paced environment.

Nice to Have

• Experience with data visualization tools (e.g., Tableau, Power BI).
• Experience with AI tools such as Claude
• Experience with data technologies like PySpark.
• Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value.

What We Offer You

• Competitive salary and stock option plan
• Paid coverage of medical, dental and vision insurance
• Competitive 401(k) and RRSP program
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $100,000-$150,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.