Staff ML Scientist – Fintech Credit & Risk (Remote)

Dave; Oregon; Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

Home office stipend

Medical, dental, vision insurance

401(k) with match

Parental leave

Job summary

Dave seeks a Staff Machine Learning Scientist to shape how we build, evaluate, and govern ML models across credit, fraud, marketing, and growth. You will set technical direction, establish governance standards, and stay hands-on with high-impact modeling challenges to improve outcomes for members and the business.

You'll lead model strategy, validate controls, and mentor teams while partnering with Legal, Compliance, and Risk to translate regulatory requirements into measurable practices.

Qualifications

• 8+ years building production ML solutions with staff/principal scope.
• Strong credit modeling, portfolio economics, and risk-based decisions in fintech.
• Model validation, risk management, and regulatory review incl. fair-lending concepts.
• Proficient in Python, SQL, statistics, PyTorch, XGBoost, Spark.
• Experience designing experiments and measuring incremental impact via causal methods.
• Ability to influence technical direction and communicate trade-offs to leadership.
• Hands-on AI lifecycle experience and mature judgment on outputs.

Responsibilities

• Define and drive modeling strategy across underwriting, collections, fraud, marketing, and growth.
• Establish governance standards for validation, monitoring, and risk classification.
• Develop credit models for underwriting and portfolio optimization.
• Collaborate with Legal, Compliance, Risk, and banks to translate requirements into controls.
• Improve business metrics with causal inference and experimentation frameworks.
• Mentor scientists and build AI-assisted workflows for scalable modeling.

Skills

Staff level

Credit modeling

Model governance

Python

SQL

Statistical modeling

PyTorch

XGBoost

Experiment design

Stakeholder communication

Education

Quantitative degree

Tools

Spark

Jupyter

ML tooling

Job description

Dave seeks a Staff Machine Learning Scientist to shape how we build, evaluate, and govern ML models across credit, fraud, marketing, and growth. You will set technical direction, establish governance standards, and stay hands-on with high-impact modeling challenges to improve outcomes for members and the business.

You'll lead model strategy, validate controls, and mentor teams while partnering with Legal, Compliance, and Risk to translate regulatory requirements into measurable practices.