Sr. Data Scientist

Allyndpartners; New York (NY); On-site; USD 90,000 - 150,000; Full time

Job summary

An innovative FinTech startup is seeking a Senior Data Scientist to join their mission-driven team. This role offers the chance to work on impactful projects that democratize credit access through advanced machine learning systems. You will be at the forefront of risk modeling, fraud detection, and explainable AI, contributing to a fairer lending landscape. With a fully remote and async-friendly culture, this position provides a unique opportunity to thrive in a high-autonomy environment while collaborating with talented professionals to drive meaningful change in financial decision-making.

Benefits

100% remote work

Health, dental, vision coverage

401(k)

Unlimited PTO

Qualifications

• 7+ years of experience in data science, ideally in FinTech or financial risk modeling.
• Strong statistical background and experimental design skills.

Responsibilities

• Build and productionize machine learning models for credit risk and fraud detection.
• Collaborate with data engineers and product managers on model-driven features.

Skills

Python

SQL

XGBoost

LightGBM

sklearn

real-time modeling

data pipelines

stream processing

responsible AI practices

statistical background

Tools

H2O.ai

Job description

About AllyNds Client

This client is a mission-driven FinTech startup democratizing credit with behavioral data. Their platform uses alternative signals like purchase behavior, mobile activity, and financial metadata to extend fair credit access to thin- and no-file users. With funding from FinTech-focused VCs and former Plaid/Credit Karma leadership on board, they are entering a high-growth phase and expanding their data science team.

Job Description

Were seeking a Senior Data Scientist who thrives in high-autonomy environments and wants to build ML systems that power life-changing financial decisions. Youll work on risk modeling, fraud detection, and explainable AI to make lending more equitable and intelligent.

Responsibilities

• Build and productionize machine learning models for credit risk and fraud detection
• Design real-time scoring systems using behavioral and transactional data
• Conduct fairness analysis and build explainable AI tooling
• Lead model validation, AB testing, and drift monitoring
• Collaborate with data engineers and product managers on model-driven features
• Contribute to data governance and regulatory compliance efforts

Required Skills

• 7+ years of experience in data science, ideally in FinTech or financial risk modeling
• Proficient in Python, SQL, and modeling tools like XGBoost, LightGBM, sklearn
• Experience with real-time modeling, data pipelines, and stream processing
• Knowledge of responsible AI practices and interpretability (SHAP, LIME)
• Strong statistical background and experimental design skills

Preferred Skills

• Experience with alternative credit models or underwriting
• Familiarity with regulatory frameworks (FCRA, ECOA)
• Exposure to tools like H2O.ai, Feature Store integrations, or custom explainers

Benefits

• 100% remote with async-friendly culture
  
• Health, dental, vision coverage + 401(k)
• Unlimited PTO and mission-focused team