Senior Machine Learning Scientist

Dave
United States
Workplace: RemoteFull timeUSD 150,000 - 187,000 annuallyFunction: Data Science & Machine LearningExperience: 5+ yearsSkills: ["Communication","Ownership","Cross-functional collaboration"]

Shape underwriting and credit decisioning across ExtraCash, FlexCard, and Rent by building and improving ML and AI models, policies, and strategies. Use cash-flow, income, behavioral, bureau, and alternative data to turn risk appetite into portfolio guardrails. Design rigorous experimentation and evaluation frameworks, partner across Product/Engineering/ML/Finance/Legal/Compliance, and monitor performance to recommend scalable production solutions.

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Dave
Dave
1 day ago

Senior Machine Learning Scientist

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Source: Company careers pageValidated by: Fursa AI
Last checked: 5 hours agoStatus: Live

Job Summary

Shape underwriting and credit decisioning across ExtraCash, FlexCard, and Rent by building and improving ML and AI models, policies, and strategies. Use cash-flow, income, behavioral, bureau, and alternative data to turn risk appetite into portfolio guardrails. Design rigorous experimentation and evaluation frameworks, partner across Product/Engineering/ML/Finance/Legal/Compliance, and monitor performance to recommend scalable production solutions.
Location: United States
Workplace: Remote
Employment Type: Full time
Job Function: Data Science & Machine Learning
Seniority: Mid level

Key Responsibilities

  • •Develop and optimize underwriting, settlement, and collection strategies across ExtraCash, FlexCard, and Rent, translating risk appetite into policies and decision rules.
  • •Build ML- and AI-enabled credit strategies using cash-flow, income, behavioral, bureau, and alternative data, owning methodology, validation, and production recommendations.
  • •Design rigorous experimentation and evaluation frameworks with success metrics, scenario analyses, guardrails, and launch recommendations.
  • •Partner with Product, Engineering, ML Platform, Finance, Legal, and Compliance to develop scalable decisioning solutions across the credit lifecycle.
  • •Monitor portfolio and business performance, identify emerging opportunities or risks, and translate analysis into clear recommendations.

Pay and Benefits

Salary: USD 150,000 - 187,000 annually
Equity and Bonus:Equity
Perks:Health InsuranceDentalVision401kRemote WorkPaid LeaveHome Office

Key Requirements

  • •5+ years of experience in consumer credit risk, underwriting, settlement and collection, machine learning, or predictive analytics, ideally in fintech or consumer lending.
  • •Hands-on experience with statistical modeling, machine learning, experimentation, and production decision systems.
  • •Proficiency in Python and SQL.
  • •Experience developing credit strategies across the product lifecycle, from new-product launches through mature portfolios.
  • •Deep understanding of credit policy, risk appetite, portfolio management, credit performance monitoring, and settlement/collection.
Experience:5+ yearsFintechConsumer lending
Education:
Skills:CommunicationOwnershipCross-functional collaboration
Tech Stack:PythonSQL

Company Brief

Dave
Dave is a U.S. neobank offering banking accounts, cash advances (ExtraCash), budgeting tools, credit-building features, and a Side Hustle marketplace to help everyday consumers manage short-term liquidity and build financial health.
Industry: Neobanking
Company Size: Large (251 to 1,000 employees)
Revenue: USD 250M to 500M
Growth: Public Company
Valuation: Unicorn (USD 1B+)
Funding: IPO / Publicly Listed
Headquarters: Los Angeles, United States
Founded: 2016
Glassdoor
Glassdoor: 4.0
WebsiteLinkedInGlassdoor