About the Company

This is an opportunity to join a well-funded, early-stage fintech startup headquartered in San Francisco that is redefining how individuals leverage their assets to access financial flexibility. The company is building a category-defining product at the intersection of modern technology and traditional finance, and has experienced rapid adoption since its quiet launch. Backed by top-tier investors, the team is composed of seasoned engineers and product leaders from leading tech companies who value speed, rigor, and collaboration.

At this stage, every hire has an outsized impact. The culture is data-obsessed, intellectually curious, and highly collaborative. This is not a place for siloed work; it is a place for builders who want to shape both the product and the company’s trajectory.

The Role

The company is seeking a seasoned Data Scientist to join the core team. In this role, the individual will not simply be a service provider to the business; they will be a strategic partner, using rigorous scientific methods to directly influence the product roadmap and company strategy. The ideal candidate possesses a deep understanding of statistical modeling and machine learning, combined with the business acumen to translate complex data into actionable insights.

This role requires a balance of technical depth and strategic thinking. The individual will work end-to-end—from identifying the right question, to sourcing and refining data, to building models, and finally, to communicating findings in a way that inspires action across the organization.

What You’ll Do

1. Shape Product Strategy: Work hand-in-hand with Product, Engineering, Marketing, and Finance teams to identify opportunities where data science can drive competitive advantage. This role will be instrumental in defining key metrics and ensuring that the company builds products that users love.
2. Apply Advanced Analytics: Leverage large, complex datasets to solve high-impact business problems. This includes:
3. Measuring the causal impact of product changes and marketing campaigns using rigorous experimental design and observational methods.
4. Building predictive models to forecast user behavior, lifetime value, and product performance.
5. Developing sophisticated attribution models to understand the customer journey and optimize acquisition channels.
6. Build & Scale Solutions: Design, implement, and deploy innovative data science solutions that operate at scale. This involves moving from ideation and prototyping to production-ready models that power real-time decisions.
7. Drive Experimentation: Own the experimentation lifecycle, from designing A/B tests to analyzing results and providing clear, actionable recommendations to stakeholders.
8. Improve Data Infrastructure: Collaborate with Engineering to drive the collection of new data and refine existing data sources, ensuring the team has the right tools and data to answer the most important questions.
9. Tell Compelling Stories: Create analyses and visualizations that cut through the noise. The goal is not just to present data, but to tell a story that inspires confidence and drives decision-making at the highest levels.

Who You Are

1. A Strategic Partner with Technical Depth: You have 5+ years of experience in data science, with a proven track record of influencing high-impact product and business decisions. You hold a PhD or MS in a quantitative field such as Computer Science, Statistics, Economics, or a related Natural Science.
2. An Expert Modeler: You have deep theoretical and applied expertise in statistics, machine learning, and experimental design. You are proficient in Python or R and can write complex SQL queries in your sleep. You know when a simple linear regression is sufficient and when a more complex model is required.
3. A Full-Project Owner: You have experience designing and implementing complex modeling solutions from ideation all the way to production at scale. You understand the challenges of deploying models in a real-world environment.
4. A Clear Communicator: You possess excellent written and verbal communication skills. You can explain complex statistical concepts to non-technical stakeholders and create compelling narratives that drive action.
5. A Naturally Curious Problem Solver: You are driven to understand the "why" behind the data. You are excited by ambiguity and are comfortable digging into messy datasets to find hidden signals. You have strong project management skills and can juggle multiple priorities in a fast-paced environment.

Our Tech Stack

While the specific tools are always evolving, the current environment includes:

1. Languages: Python, SQL
2. Cloud: AWS
3. Infrastructure: Modern data stack for warehousing and orchestration

Why Join Us?

This is a rare opportunity to join a company at the ground floor and build a data science function from the ground up. You will have direct access to leadership, massive ownership over your work, and the chance to solve challenging, high-stakes problems in the fintech space. If you are a scientist who wants to see their work translated into real-world impact immediately, this is the role for you.