Lead Data Scientist

United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial ServicesIndustries

Requirements

Candidates should possess an Advanced Degree (MS/PhD) in Data Science, Engineering, Statistics, Mathematics, Computer Science, or a related quantitative discipline, along with 5-10 years of hands-on experience in a data science or analytics role, preferably in financial services. Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL is required, and the ability to write documentation and present analysis to diverse audiences is also necessary.

Responsibilities

The Lead Data Scientist will build and deploy ML/AI models to solve business problems in areas such as prospect targeting, credit risk, fraud detection, pricing, verification, and loss forecasting. They will analyze large datasets using SQL, Python, or similar tools, evaluate customer data and third-party data, and collaborate with cross-functional teams to define data-driven strategies. Furthermore, they will stay updated on data science trends, research new tools, and contribute to the overall product development process.

Skills

Statistics

Machine Learning

Data Science

Predictive Modeling

Financial Domain Knowledge

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$532.1MTotal Funding

SERIES_FCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.

Crowded BNPL market may pressure margins for Uplift acquisition.

Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.

The Secured OneCard targets consumers with little or no credit history.

Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.

Acquisition of Uplift strengthens Upgrade's position in travel financing.

Partnership with Finturf enhances home improvement financing options.

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