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Open nowPosted 13 days ago

Senior Data Scientist - Flex Pay

Upgrade28 open roles

Pay
$100,000 – $120,000 a year
Where
San Francisco
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Your applicationOpen nowSenior Data Scientist - Flex PayUpgrade · San Francisco

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The clock on this job

Early applications get read.

9.0% of postings close within 7 days. Measured by our own scanner across the market. Upgrade postings stay open a median of 29 days.

Share of postings closed within
  1. 1.8%1 day
  2. 3.9%3 days
  3. 9.0%7 days
  4. 15.5%14 days
  5. 34.1%30 days
This job: posted 13 days ago

Upgrade median: 29 days open

The posting

About the Role:

We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming.

This position is based in our San Francisco office in a hybrid capacity, specifically on Wednesdays and Thursdays.

What You’ll Do:

  • Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements.
  • Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution.
  • Validate models to identify factors that may affect model performance.
  • Analyze large, structured and unstructured datasets using SQL, Python or similar tools.
  • Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development.
  • Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies.

What We Look For:

  • Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline.
  • 3-5+ years of hands-on experience in a data science or analytics role, preferably in financial services.
  • Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred.
  • Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL.
  • Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.).
  • Proactive, driven, and ability to work in a fast paced environment.

Nice to Have:

  • Experience with data visualization tools (e.g., Tableau, Power BI).
  • Experience with AI tools such as Claude
  • Experience with data technologies like PySpark.
  • Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value.

What We Offer You:

  • Competitive salary and stock option plan
  • Paid coverage of medical, dental and vision insurance
  • Competitive 401(k) and RRSP program
  • Flexible PTO
  • Opportunities for professional growth and development
  • Paid parental leave
  • Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $100,000-$150,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

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