Staff Data Scientist - Credit and Lending ML (Fully Remote)

Mercury; United States; Remote; USD 150,000 - 230,000; Full time

Job summary

Mercury, a fintech company building the future of financial infrastructure for startups and growing businesses, is seeking an experienced ML Engineer to build and own models powering lending products. You will tackle classification, revenue forecasting with seasonality, anomaly detection, and more, turning messy data into clear business health signals.

You will deploy models to production with observability, monitoring, and tests, leveraging deep learning, transformers, and NLP to drive

Qualifications

• 7+ years building ML models that influence automated decisions involving money.
• Strong production-grade Python and SQL skills.
• Experience beyond classification: time series, forecasting, anomaly detection, NLP.
• Proficiency with deep learning, transformers, and LLMs.

Responsibilities

• Build and own the models behind our lending program: classification, inflow/outflow detection, revenue forecasting, seasonality modeling, anomaly detection, and more.
• Turn messy data streams into a defensible view of a business's health.
• Deploy models into production with observability, monitoring, and tests.

Skills

ML modeling

Python

SQL

Time series forecasting

Anomaly detection

NLP

Transformers/LLMs

Tools

Python

SQL

PyTorch/TensorFlow

Job description

• Build and own the models behind our lending program: transaction classification, recurring inflow/outflow detection, annual revenue estimation, forecasting with seasonality, anomaly detection, and more.
• Turn messy data streams into a defensible view of a business's health.
• Deploy models into a production environment with observability, monitoring, and tests.

Requirements:

• 7+ years building ML models that shaped automated decisions with money on the line.
• Write production-grade Python and strong SQL.
• Depth beyond classification models: time series, forecasting, anomaly detection, and NLP models.
• Proficient with deep learning, transformers, and LLMs.

Nice to Have:

• Experience in small business lending or business credit cards.
• Experience with revenue-based financing or merchant cash advances.

Mercury

Mercury is a fintech company building the future of financial infrastructure for startups and growing businesses, with proprietary access to bank transactions and financial data. They value diversity and belonging and are an equal opportunity employer with a collaborative culture.