Sr. Data Scientist

About the job Sr. Data Scientist

About AllyNds Client

This client is a mission-driven FinTech startup democratizing credit with behavioral data. Their platform uses alternative signals like purchase behavior, mobile activity, and financial metadata to extend fair credit access to thin- and no-file users. With funding from FinTech-focused VCs and former Plaid/Credit Karma leadership on board, they are entering a high-growth phase and expanding their data science team.

Job Description

Were seeking a Senior Data Scientist who thrives in high-autonomy environments and wants to build ML systems that power life-changing financial decisions. Youll work on risk modeling, fraud detection, and explainable AI to make lending more equitable and intelligent.

Responsibilities

Build and productionize machine learning models for credit risk and fraud detection

Design real-time scoring systems using behavioral and transactional data

Conduct fairness analysis and build explainable AI tooling

Lead model validation, AB testing, and drift monitoring

Collaborate with data engineers and product managers on model-driven features

Contribute to data governance and regulatory compliance efforts

Required Skills

7+ years of experience in data science, ideally in FinTech or financial risk modeling

Proficient in Python, SQL, and modeling tools like XGBoost, LightGBM, sklearn

Experience with real-time modeling, data pipelines, and stream processing

Knowledge of responsible AI practices and interpretability (SHAP, LIME)

Strong statistical background and experimental design skills

Preferred Skills

Experience with alternative credit models or underwriting

Familiarity with regulatory frameworks (FCRA, ECOA)

Exposure to tools like H2O.ai, Feature Store integrations, or custom explainers

Benefits

100% remote with async-friendly culture

Health, dental, vision coverage + 401(k)

Unlimited PTO and mission-focused team