Senior Data Scientist at Perpay

Philadelphia, Pennsylvania, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

5+ years of experience and expertise applying machine learning techniques in industry
5+ years of experience and expertise in producing data analysis, exploratory data analysis and data visualization in industry
5+ years of experience and expertise in developing, deploying, maintaining real-time software (e.g. models exposed as APIs)

Responsibilities

Drive the end-to-end completion of data science initiatives, collaborating with stakeholders from ideation through execution, ensuring projects deliver strong impact to our customer’s financial lives and the health of the business
Proactively identify opportunities for the data science team to improve and expand Perpay’s business model using techniques from exploratory data analysis to machine learning models, leveraging subject matter expertise of Perpay’s business model
Support the growth of the business by delivering scalable models and algorithms while maintaining and troubleshooting existing resources
Deploy and maintain real-time model inference resources and infrastructure
Deploy and maintain machine learning pipelines including batch processing and continuous training architecture
Contribute to the cross-discipline adoption and responsible use of AI/LLM models and services at Perpay
Present results and analyses to a wide range of audiences: from Perpay's leadership team to non-technical peers
Contribute to defining standards and best practices concerning workflow and adoption of new technologies within the Data Science team
Act as an informal mentor to peers

Skills

Machine Learning

Exploratory Data Analysis

Data Analysis

Analytical Skills

Credit Modeling

Perpay

Facilitates interest-free paycheck deduction payments

About Perpay

Perpay helps consumers make shopping more accessible and affordable by allowing them to purchase products through interest-free payments that are deducted directly from their paychecks. Users start by answering a few questions to determine their spending limit, which can range from $500 to $2,500. Once approved, they can shop immediately, with payments spread over a series of typically eight installments. This model is particularly useful for individuals who may not have access to traditional credit or who want to avoid high-interest rates. What sets Perpay apart from its competitors is its focus on interest-free payments and the simplicity of having payments deducted directly from paychecks, making the repayment process easier for users. The company's goal is to provide a hassle-free shopping experience that allows consumers to make significant purchases without incurring debt or interest.

Philadelphia, PennsylvaniaHeadquarters

2016Year Founded

$2.4MTotal Funding

ANGELCompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Competitive salary + company equity

401k with company match

Medical / Dental / Vision insurance

Pre-tax Public Transportation benefit

Relocation assistance

Student loan company match

Gym subsidy with City Fitness

Cell phone plan

Paid parental leave

Unlimited PTO

Optional work from home (WFH) up to 4 weeks per year

Risks

Increased competition from fintech startups may erode Perpay's market share.

Regulatory scrutiny on income-based limits could raise compliance costs for Perpay.

Economic downturns may affect users' repayment ability, impacting Perpay's financial stability.

Differentiation

Perpay offers interest-free payments deducted directly from paychecks, simplifying user experience.

The company targets consumers avoiding traditional credit, providing a unique market position.

Perpay's model supports significant credit score increases, enhancing user financial health.

Upsides

Rising demand for flexible payment options boosts Perpay's interest-free installment model.

AI integration can refine Perpay's spending limit assessments, improving user experience.

Embedded finance trends offer Perpay expansion opportunities through e-commerce partnerships.

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