Senior Data Scientist II — Remote AI for FinTech Growth

Rainfall Ventures; United States; Remote; USD 162,000 - 203,000; Full time

Benefits offered by this job

Flexible working culture

Unlimited PTO

401k match

Generous parental leave

Wellness subscription stipend

Office in Union Square (for in-person)

Job summary

Zip is seeking a Senior Data Scientist II to own the development of advanced AI/ML models using rich data sources, including bank transaction data, to enable new product capabilities and strengthen the core business. You will design, test, and iterate models end-to-end, balancing risk and profitable growth, while collaborating with Data and ML Engineering teams for production readiness.

Remote-first in the US with an option to work in Manhattan; strong problem-solving and independent work ethic

Qualifications

• Advanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)
• 5+ years of experience in Data Science (can include PhD work)
• 2+ years of experience working with data relevant to Financial Services
• Self-starter mentality with strong problem-solving and research skills; able to work independently to drive solutions
• Solid grasp of probability, statistics, and applied research methods
• Experience with data sources like bank transaction data (Plaid, MX, Finicity) is highly preferred
• Proficiency in Python and SQL; Spark/PySpark experience a plus
• Experience with Neural Networks, LLMs, GenAI
• Experience with credit and/or fraud risk a plus
• Familiarity with Git and version control

Responsibilities

• Independently design, build, evaluate, and iterate on new AI/ML models leveraging bank transaction data to enable new product capabilities
• Rapidly experiment, build, and iterate on solutions, providing realistic proofs of concept
• Assist with test designs that produce data for future model versions
• Balance short-term outcomes with long-term experimental opportunities
• Leverage AI to improve model quality, analytical efficiency, or product outcomes
• Build models that mitigate risk while driving profitable growth
• Collaborate with Data and ML Engineering teams for production readiness
• Own modeling solutions end-to-end from development to production monitoring
• Communicate findings and tradeoffs with business stakeholders

Skills

Python

SQL

Spark PySpark

Neural Networks

GenAI

Credit risk

Independent work

Education

PhD preferred

Tools

Git

Plaid

Finicity

Job description

Zip is seeking a Senior Data Scientist II to own the development of advanced AI/ML models using rich data sources, including bank transaction data, to enable new product capabilities and strengthen the core business. You will design, test, and iterate models end-to-end, balancing risk and profitable growth, while collaborating with Data and ML Engineering teams for production readiness.

Remote-first in the US with an option to work in Manhattan; strong problem-solving and independent work ethic