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Sr. Data Scientist at Earnin Inc. (Palo Alto, CA)

About Earnin:

Our financial system is fundamentally unfair for people who live paycheck to paycheck.  People shouldn’t have to wait weeks to get the pay they’ve already earned. This wait forces them to spend more than $100 billion a year on short-term credit products, late fees and overdraft fees.

Earnin helps people overcome this unfairness by giving them real-time access to their money as soon as they have worked -- without fees or interest.

Our team is bound together by a desire to level the financial playing field.  Our investors, Andreessen Horowitz, Ribbit Capital, Felicis Ventures, Matrix Partners and March Capital believe we will change the world.

You can help make a difference.  Join us.

About the Team:

We’re looking for a talented and motivated data scientist to build sophisticated models with data collected across our business to aid Earnin’s mission in giving the world access to their pay as soon as they’ve earned it.

Data Scientists are the central node to every team within Earnin. As a data scientist, you’ll be interfacing with analysts to gain insights, our product managers to evaluate areas where we can protect and improve our business model, and our engineering team to advance our product utilizing artificial intelligence. 

Every decision made at Earnin is backed by data; our company trajectory is defined by the systems, tools, and analytics powered by our exceptional team.  We integrate multifaceted data streams such as rapidly changing market data, customer data based on app activity and feedback, and financial banking operations data to perfect our processes and workflows.  Improving these systems and maintaining scalability across a growing user base (X million and counting) is thrilling.

The Risk team is responsible for the engine that fuels Earnin’s growth. As a data scientist on this team, you’ll have the opportunity to work on all levels of the product and with all the different people at Earnin. You’ll have the chance to live Earnin’s core values and see what differentiates us from other financial services companies.


What Set Us Apart:

  • We care more about the thought process, perseverance, tenacity in solving really difficult problems (rather than checking off all the technology boxes)
  • Solving unique problems in the financial payments industry
  • Helping people on a human level

As a Data Scientist you will:

  • Research and explore various machine learning algorithms to build predictive models to reduce risk loss and detect fraud
  • Optimize risk/fraud models by creating new features, feature engineering, improving algorithms, and tuning parameters
  • Make>Work closely and collaborate with risk teams on modeling ideas and building plus ad-hoc risk/fraud analytics
  • Create monitoring systems to track the quality of risk/fraud models
  • Apply statistical concepts such as hypothesis testing, statistical significance etc to model explanation, reporting and decision making

Some skills we consider critical to being a Data Scientist:

  • Deep understanding of machine learning and statistics
  • Strong product sense and analytical thinking
  • Strong SQL abilities and experience
  • Strong problem solving and critical thinking skills
  • Excellent communication skills
  • Hands on experience in data manipulation and modeling with tools (SQL, Python, Spark, and other data analysis packages)
  • 3+ years industry experience in data mining, machine learning, statistical analysis, and modeling
  • A MS or PhD in Computer Science, Physics, Statistics, Applied Mathematics, or any quantitative disciplines
  • Experience building predictive models from scratch data to production is a plus
  • Familiarity with optimization is a plus
  • Experience with risk in the FinTech domain is a plus

Earnin does not unlawfully discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. Earnin is an E-Verify participant.