Staff Machine Learning Scientist

Dave; United States; Remote; USD 180,000 - 240,000; Full time

Benefits offered by this job

Home office stipend

401(k) matching

Medical, Dental, Vision insurance

Parental and caregiver leave

Flexible PTO

Virtual-first culture

Job summary

Dave is seeking a Staff Machine Learning Scientist to shape how ML models are built, evaluated, and governed across our business. You’ll guide strategy across credit, fraud, marketing, and growth while staying hands-on with high-impact modeling challenges.

You’ll establish governance standards, improve measurement of outcomes, and help teams make data-driven decisions. This role offers autonomy and broad impact, with a strong emphasis on responsible, scalable ML.

Qualifications

• 8+ years of experience building production machine learning solutions.
• Experience with consumer credit modeling, portfolio economics, and risk-based decision systems.
• Experience with model validation and model risk management in regulated environments.
• Advanced proficiency in Python, SQL, and ML frameworks (PyTorch, XGBoost, Spark).
• Experience designing experiments and measuring incremental impact via causal inference.
• Ability to influence technical direction and communicate trade-offs to senior stakeholders.
• Experience using AI tools across modeling lifecycle with sound judgment.

Responsibilities

• Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth.
• Establish model governance standards covering validation, monitoring, risk classification, and documentation.
• Build and improve credit models informing underwriting and settlement strategies.
• Strengthen responsible modeling practices with Legal, Compliance, and Risk stakeholders.
• Advance business measurement with metrics, experiments, and causal inference.
• Develop AI-assisted workflows and mentor scientists across teams.

Skills

Staff-level ML

Fintech experience

Model validation

Python & SQL

Experiment design

Stakeholder communication

AI tooling

Quant degree

Education

Bachelor’s degree

Master’s degree

PhD or equivalent

Tools

PyTorch

XGBoost

Spark

Python

SQL

Job description

Dave vs. Goliath. We’re Dave.

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

The Opportunity

We're looking for a Staff Machine Learning Scientist to shape how Dave builds, evaluates, and governs machine learning models across the business.

You’ll set technical direction across credit, fraud, marketing, and growth while staying hands-on with high-impact modeling challenges. You’ll establish practical governance standards, strengthen how we measure business outcomes, and help teams make better decisions with data. This role offers meaningful autonomy and the opportunity to influence how machine learning supports both our members and Dave's long-term growth.

What You'll Build and Own

• Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, influencing architecture, shared infrastructure, and investment priorities.

• Establish model governance standards covering validation, monitoring, risk classification, documentation, change management, and independent review throughout the model lifecycle.

• Build and improve credit models that inform underwriting, collections, and settlement strategies, balancing portfolio performance, profitability, and member outcomes.

• Strengthen responsible modeling practices by partnering with Legal, Compliance, Risk, and sponsor-bank stakeholders to translate regulatory requirements into measurable controls.

• Advance business measurement through meaningful metrics, experimentation, causal inference, and incrementality analysis that inform product and portfolio decisions.

• Develop AI-assisted workflows and mentor scientists to improve modeling efficiency, evaluation quality, and consistency across teams.

The Impact

Your work will influence how Dave makes critical financial decisions, measures success, and manages risk. By building reliable models and scalable governance practices, you'll help us expand access to useful financial products while supporting responsible, sustainable growth.

What We're Looking For

• 8+ years of experience building production machine learning solutions, including demonstrated technical leadership at staff or principal scope.

• Strong experience with consumer credit modeling, portfolio economics, and risk-based decision systems, ideally in fintech or consumer lending.

• Experience with model validation, model risk management, or independent review in regulated environments, including familiarity with fair-lending and adverse-action considerations.

• Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark.

• Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies.

• Demonstrated ability to influence technical direction and communicate complex trade-offs across senior stakeholders.

• Practical experience using AI tools throughout the modeling lifecycle, with sound judgment in evaluating outputs.

• A bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience.

Bonus: Experience evaluating or governing generative AI applications, including model guardrails and monitoring.

What Makes Someone Successful Here

You connect technical decisions to business outcomes and member experiences. You bring strong scientific judgment, challenge assumptions thoughtfully, and build solutions that remain reliable as the business evolves.

You collaborate across disciplines, welcome constructive feedback, and help others strengthen their work. When priorities change or challenges aren't fully defined, you create clarity and move forward with sound reasoning and shared accountability.

What to Expect

You’ll have significant independence and influence across teams, supported by partners in Engineering, Product, Finance, Risk, and Compliance. Decisions are grounded in evidence, and you’ll help shape the standards and processes that guide future work.

Why Join Dave?

You’ll tackle complex, meaningful challenges at the intersection of machine learning, financial access, and responsible innovation. You’ll have the opportunity to shape company-wide technical practices while contributing directly to products that make a difference for millions of members.

Why you’ll love working here:

At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii.

A few of our benefits & perks:

Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

Flexible hours and virtual-first work culture with a home office stipend

Premium Medical, Dental, and Vision Insurance plans

Generous paid parental and caregiver leave

401(k) savings plan with matching contributions

Financial advisor and financial wellness support

Flexible PTO and generous company holidays, including Juneteenth and Winter Break

All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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