Senior Data Scientist - Flex Pay

About the Role: We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming. This position is based in our San Francisco office in a hybrid capacity, specifically on Wednesdays and Thursdays. What You’ll Do: * Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements.  * Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution. * Validate models to identify factors that may affect model performance. * Analyze large, structured and unstructured datasets using SQL, Python or similar tools. * Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development. * Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies. What We Look For: * Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline. * 3-5+ years of hands-on experience in a data science or analytics role, preferably in financial services.  * Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred. * Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL. * Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.). * Proactive, driven, and ability to work in a fast paced environment. Nice to Have: * Experience with data visualization tools (e.g., Tableau, Power BI). * Experience with AI tools such as Claude * Experience with data technologies like PySpark. * Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value. What We Offer You: * Competitive salary and stock option plan * Paid coverage of medical, dental and vision insurance  * Competitive 401(k) and RRSP program   * Flexible PTO * Opportunities for professional growth and development   * Paid parental leave * Health & wellness initiatives The compensation range of this position in San Francisco, CA is USD $100,000-$150,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.