Data Scientist (Dublin, CA)
Data Scientist (Dublin, CA)
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Job Description
Data Scientist (Dublin CA)
SavvyMoney is a leading San Francisco East Bay fintech company. We provide integrated credit score and personal finance solutions to 1500 bank and credit union partners nationally. The SavvyMoney solutions integrate with more than 43 digital banking platforms.
SavvyMoney was recently recognized by the San Francisco Business Times and the Silicon Valley Journal as one of the Top 25 Places to Work in the San Francisco Bay Area and is an Inc. 5000 Fastest Growing Company.
Were headquartered in Dublin CA and offer a flexible hybrid work environment that blends in-office collaboration with the freedom of remote work.
We are seeking a seasoned Data Scientist to join our team and lead initiatives in predictive modeling personalization and AI-driven financial recommendations. This individual will play a key role in building models that power personalized marketing loan offers credit improvement strategies and next-best-action recommendations.
The role requires expertise in data analysis to uncover business opportunities traditional machine learning methods (tree-based models neural networks) and emerging techniques including Large Language Models (LLMs). You will collaborate closely with engineering to deploy models into scalable low-latency production environments as well as work with business and product stakeholders to generate ad-hoc analytics and actionable insights.
Responsibilities
- Perform exploratory and statistical data analysis to identify opportunities for model development and business optimization
- Design build and optimize machine learning models for:
- Marketing propensity modeling
- Personalized loan offers and recommendations
- Next-best-action predictions for improving credit scores
- Prototype solutions using advanced AI techniques to accelerate experimentation
- Partner with engineering teams to productionize models in a scalable and latency-conscious environment
- Query and analyze large datasets to uncover business insights and support decision-making
- Collaborate with business and product stakeholders to define problems scope analyses and deliver ad-hoc reports and dashboards
- Develop reusable frameworks pipelines and tools to accelerate model development and deployment
- Document methodologies models and assumptions to ensure clarity reproducibility and knowledge sharing
- Follow ethical AI principles and established guardrails to ensure fairness transparency and unbiased predictions.
Experience
- Masters or PhD in Computer Science Statistics Data Science or related field (or equivalent experience)
- 6 years of professional experience in data science or machine learning ideally in fintech financial services or a B2B2C environment
- Strong proficiency in SQL and Python (pandas scikit-learn PyTorch TensorFlow XGBoost etc.)
- Hands-on experience with tree-based models (XGBoost LightGBM CatBoost) and neural networks
- Proficiency in notebooks (Jupyter Colab etc.) and deep learning frameworks such as TensorFlow and PyTorch for model development
- Familiarity with LLMs and generative AI frameworks (HuggingFace LangChain OpenAI APIs etc.)
- Experience deploying machine learning models into production environments with considerations for scalability and latency
- Strong business acumen with the ability to translate complex analytical outputs into actionable recommendations
- Excellent communication skills to collaborate with both technical and non-technical stakeholders
Preferred Experience
- Experience with cloud-based platforms (AWS GCP or Azure) for model training and deployment
- Knowledge of MLOps tools and practices (MLflow Airflow Kubeflow Docker etc.)
- Understanding of credit risk modeling financial products or consumer lending.
- Experience working with APIs real-time scoring and event-driven architectures.
Why Join Us
- High Impact: Your models will directly shape how people access loans improve credit scores and receive personalized financial recommendations
- Innovation-First Culture: From tree-based models to neural networks and LLMs youll have the freedom to prototype with state-of-the-art techniques and put them in action
- Cross-Functional Collaboration: Work closely with product engineering and business leaders to take ideas from prototype to production.
- Mission-Driven: Help democratize financial wellness and unlock opportunities for millions.
Base Salary
The annual base salary for this position is between $160000 to $185000 depending upon experience.
Additionally we provide
- Annual Bonus potential
- Equity compensation package
- Flexible Time Off Policy (Take time as you need it)
- 401(k) with Employer contribution
- Medical Dental Vision 100% premium paid for employee
- Opportunity for career growth and challenge
- Beautiful California East Bay offices in Dublin CA
SavvyMoneys EEO Statement
SavvyMoney relies on diversity of culture and thought to deliver on our goal of Creative People Practical solutions serving our client needs and ensures nondiscrimination in all programs and activities. We continuously seek talented qualified employees in our operations regardless of race color sex/gender including gender identity and expression sexual orientation pregnancy national origin religion disability age marital status citizen status protected veteran status or any other protected classification under country or local law. SavvyMoney is proud to be an Equal Employment Opportunity/ Affirmative Action Employer.
We are committed to protecting your data. To learn more please review the SavvyMoney Employee Privacy Policy Notice here
Required Experience:
Senior IC
Employment Type
Full-Time
