Senior Data Scientist II

Zip Co; New York (NY); Hybrid; USD 132,000 - 160,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Learning stipends

401k match

Parental leave

Insurance coverage

Job summary

A financial services company in New York is seeking a Senior Data Scientist II to develop impactful models in credit and fraud risk. This remote-first role emphasizes collaboration and innovation, requiring an advanced degree and several years of relevant experience. Candidates should excel in problem-solving and communication while leveraging cutting-edge AI technologies. Benefits include a flexible workplace and competitive salary ranging between $132,000 - $160,000.

Qualifications

• 5+ years of experience in Data Science, with 2+ years applying ML/AI solutions in Financial Services.
• Experience with Credit and/or Fraud Risk is necessary.
• Proficiency with Python and SQL is essential.

Responsibilities

• Own the model lifecycle end-to-end for credit and fraud risk models.
• Communicate modeling objectives clearly to stakeholders.
• Collaborate with ML engineers to deploy scalable solutions.

Skills

Data Science

Machine Learning

AI Solutions

Python

SQL

Spark/PySpark

Problem-solving

Education

Advanced degree in a quantitative field

Tools

AI architectures/platforms/tools

Version control systems like Git

Job description

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• 5+ years of experience in Data Science, with 2+ years applying ML/AI solutions in Financial Services
• Experience with Credit and/or Fraud Risk
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

About the Role

As a Senior Data Scientist II, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact across Zip. These models support various domains, with an emphasis on credit and fraud risk, as well as customer experience, marketing, and more.

Your work will strengthen Zip's core Data Science capabilities—from faster iteration cycles to rigorous model governance and documentation. You will also play a key role in unlocking new business value by applying cutting-edge modeling techniques and AI solutions that drive revenue growth, cost efficiency, and improved operations.

Responsibilities

• Own the model lifecycle end-to-end; develop, validate, and deploy AI/ML solutions to complex business problems, focusing on credit and fraud risk models
• Communicate modeling objectives, assumptions, limitations, and performance considerations clearly to stakeholders
• Explore and validate data sources, including ad hoc profiling and integrity checks
• Ensure rigorous documentation and maintain clean, maintainable code
• Stay updated with evolving tools and techniques (e.g., GenAI) through self-driven learning
• Collaborate with ML engineers to deploy scalable, robust solutions
• Work cross-functionally to gather insights and requirements

Qualifications

• Advanced degree (Masters or PhD) in a quantitative field
• 5+ years of experience in Data Science
• 2+ years of experience in Financial Services
• Experience with credit and/or fraud risk
• Experience with cashflow data (e.g., Plaid, MX, Finicity) is a strong plus
• Proficiency with Python and SQL
• Hands-on experience with Spark/PySpark
• Familiarity with AI architectures/platforms/tools (e.g., neural networks, GenAI)
• Solid understanding of probability, statistics, and research methods
• Familiarity with version control systems like Git
• Self-starter with strong problem-solving skills
• Ability to thrive in a fast-paced environment

Benefits

Zip offers a flexible working culture, incentive programs, PTO, parental leave, insurance coverage, a casual office environment, learning stipends, and a 401k match. Salary range for this position is $132,000 - $160,000, with potential bonuses and equity. The company is committed to diversity and inclusion, providing equal opportunities and accessible recruitment processes.

About Zip

Zip Co Limited (ASX: ZIP) is a digital financial services company operating in Australia, New Zealand, and the US, offering point-of-sale credit and digital payment services. We are guided by our values: Customer First, Own it, Stronger Together, and Change the Game.

By clicking "Submit Application," you agree that the information provided is true and acknowledge our privacy policy. Zip participates in the E-Verify program. We respond to every applicant and encourage you to learn more about us.

Additional Details

• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: Engineering and IT
• Industries: Financial Services, IT Services, and Consulting