Senior Data Scientist II

Get AI-powered advice on this job and more exclusive features.5+ years of experience in Data Science, with 2+ years applying ML/AI solutions in Financial ServicesExperience with Credit and/or Fraud RiskRemote-first opportunity for US-based employees with the option to work in-person out of our Manhattan officeAbout the Role As a Senior Data Scientist II, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact across Zip. These models support various domains, with an emphasis on credit and fraud risk, as well as customer experience, marketing, and more.Your work will strengthen Zip's core Data Science capabilities—from faster iteration cycles to rigorous model governance and documentation. You will also play a key role in unlocking new business value by applying cutting-edge modeling techniques and AI solutions that drive revenue growth, cost efficiency, and improved operations.Responsibilities Own the model lifecycle end-to-end; develop, validate, and deploy AI/ML solutions to complex business problems, focusing on credit and fraud risk modelsCommunicate modeling objectives, assumptions, limitations, and performance considerations clearly to stakeholdersExplore and validate data sources, including ad hoc profiling and integrity checksEnsure rigorous documentation and maintain clean, maintainable codeStay updated with evolving tools and techniques (e.g., GenAI) through self-driven learningCollaborate with ML engineers to deploy scalable, robust solutionsWork cross-functionally to gather insights and requirementsQualifications Advanced degree (Masters or PhD) in a quantitative field5+ years of experience in Data Science2+ years of experience in Financial ServicesExperience with credit and/or fraud riskExperience with cashflow data (e.g., Plaid, MX, Finicity) is a strong plusProficiency with Python and SQLHands-on experience with Spark/PySparkFamiliarity with AI architectures/platforms/tools (e.g., neural networks, GenAI)Solid understanding of probability, statistics, and research methodsFamiliarity with version control systems like GitSelf-starter with strong problem-solving skillsAbility to thrive in a fast-paced environmentBenefits Zip offers a flexible working culture, incentive programs, PTO, parental leave, insurance coverage, a casual office environment, learning stipends, and a 401k match. Salary range for this position is $132,000 - $160,000, with potential bonuses and equity. The company is committed to diversity and inclusion, providing equal opportunities and accessible recruitment processes.About Zip Zip Co Limited (ASX: ZIP) is a digital financial services company operating in Australia, New Zealand, and the US, offering point-of-sale credit and digital payment services. We are guided by our values: Customer First, Own it, Stronger Together, and Change the Game.By clicking "Submit Application," you agree that the information provided is true and acknowledge our privacy policy. Zip participates in the E-Verify program. We respond to every applicant and encourage you to learn more about us.Additional Details Seniority level: Mid-Senior levelEmployment type: Full-timeJob function: Engineering and ITIndustries: Financial Services, IT Services, and Consulting#J-18808-Ljbffr