Senior Data Scientist – Flexible Pay (Credit & Risk ML)

Upgrade; Tampa (FL); Hybrid; USD 100,000 - 150,000; Full time

Benefits offered by this job

Stock option plan

Medical, dental, and vision insurance

401(k) and RRSP program

Flexible PTO

Professional growth and development

Paid parental leave

Health & wellness initiatives

Job summary

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

This role is ideally based in San Francisco on a hybrid basis, with remote candidates considered. You will collaborate with risk, marketing, product, and engineering to define data-driven strategies.

Qualifications

• Advanced degree in a quantitative field (MS/PhD).
• 3–5+ years in data science/analytics, preferably in financial services.
• Experience with ML techniques and model validation.
• Strong Python and SQL skills; able to document and present analyses.

Responsibilities

• Build and maintain credit and fraud policy simulators.
• Develop ML models for risk, pricing, segmentation, and attribution.
• Validate models and analyze performance factors.
• Analyze large datasets using SQL and Python.
• Stay current with data science trends in fintech.
• Collaborate with risk, marketing, product, and engineering teams.

Skills

ML techniques

Data analysis

Documentation

Cross-functional collaboration

Education

MS/PhD in quantitative discipline

Tools

Python

SQL

Job description

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

This role is ideally based in San Francisco on a hybrid basis, with remote candidates considered. You will collaborate with risk, marketing, product, and engineering to define data-driven strategies.