Sr. Data Scientist

Sr. Data ScientistNew York, New York, United States$ 165,000.00 - 190,000.00 (US Dollar)About the job Sr. Data ScientistThis 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 DescriptionWe're seeking a Senior Data Scientist who thrives in high-autonomy environments and wants to build ML systems that power life-changing financial decisions. You'll work on risk modeling, fraud detection, and explainable AI to make lending more equitable and intelligent.ResponsibilitiesBuild and productionize machine learning models for credit risk and fraud detectionDesign real-time scoring systems using behavioral and transactional dataConduct fairness analysis and build explainable AI toolingLead model validation, AB testing, and drift monitoringCollaborate with data engineers and product managers on model-driven featuresContribute to data governance and regulatory compliance effortsRequired Skills7+ years of experience in data science, ideally in FinTech or financial risk modelingProficient in Python, SQL, and modeling tools like XGBoost, LightGBM, sklearnExperience with real-time modeling, data pipelines, and stream processingKnowledge of responsible AI practices and interpretability (SHAP, LIME)Strong statistical background and experimental design skillsPreferred SkillsExperience with alternative credit models or underwritingFamiliarity with regulatory frameworks (FCRA, ECOA)Exposure to tools like H2O.ai, Feature Store integrations, or custom explainersBenefits100% remote with async-friendly cultureHealth, dental, vision coverage + 401(k)Unlimited PTO and mission-focused team