Staff ML Scientist, Fintech Credit & Growth

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 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.