Staff Machine Learning Scientist

Dave

. Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, influencing architecture, shared infrastructure, and investment priorities .

Posted 10/27/2026full-timeRemote • United StatesLead💰 $208,000 - $269,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Expertise in building and validating consumer credit models, with a strong focus on risk-based decision systems and regulatory compliance. Proficient in leveraging machine learning frameworks and AI tools to enhance modeling efficiency and inform strategic financial decisions.

Highest-signal resume keywords

Consumer Credit ModelingMachine Learning SolutionsModel ValidationPython ProficiencyCausal Inference

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Machine LearningStatistical ModelingModel Risk ManagementPortfolio EconomicsExperiment DesignIncrementality AnalysisSQLPyTorchXGBoostSpark

Soft Skills

Technical LeadershipInfluencing StakeholdersCommunication

Tools & Technologies

AI ToolsModel Governance Standards

Industry Keywords

FintechConsumer LendingFair LendingAdverse ActionRegulated Environments

Tech Stack

Tools & technologies

PythonPyTorchSparkSQL

About the role

Key responsibilities & impact

Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, influencing architecture, shared infrastructure, and investment priorities
Establish model governance standards covering validation, monitoring, risk classification, documentation, change management, and independent review throughout the model lifecycle
Build and improve credit models that inform underwriting, collections, and settlement strategies, balancing portfolio performance, profitability, and member outcomes
Partner with Legal, Compliance, Risk, and sponsor-bank stakeholders to translate regulatory requirements into measurable controls
Advance business measurement through meaningful metrics, experimentation, causal inference, and incrementality analysis that inform product and portfolio decisions
Develop AI-assisted workflows and mentor scientists to improve modeling efficiency, evaluation quality, and consistency across teams
Influence how Dave makes critical financial decisions, measures success, and manages risk
Collaborate with Engineering, Product, Finance, Risk, and Compliance partners
Shape company-wide technical practices and standards

Requirements

What you’ll need

8+ years of experience building production machine learning solutions, including demonstrated technical leadership at staff or principal scope
Strong experience with consumer credit modeling, portfolio economics, and risk-based decision systems, ideally in fintech or consumer lending
Experience with model validation, model risk management, or independent review in regulated environments
Familiarity with fair-lending and adverse-action considerations
Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark
Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies
Demonstrated ability to influence technical direction and communicate complex trade-offs across senior stakeholders
Practical experience using AI tools throughout the modeling lifecycle, with sound judgment in evaluating outputs
A bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience
Experience evaluating or governing generative AI applications, including model guardrails and monitoring is a bonus
Permanently authorized to work in the United States without visa sponsorship

Benefits

Comp & perks

Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals
Flexible hours and virtual-first work culture with a home office stipend
Premium Medical, Dental, and Vision Insurance plans
Generous paid parental and caregiver leave
401(k) savings plan with matching contributions
Financial advisor and financial wellness support
Flexible PTO and generous company holidays, including Juneteenth and Winter Break
All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team
Equity