SavvyMoney - Data Scientist, AI & Machine Learning Systems (Dublin, CA)
Requirements
• Master’s 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 • 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.
Responsibilities
• Perform exploratory analysis to identify high-impact opportunities for AI-driven optimization and automation. • Design, build, fine-tune, and deploy machine learning models for: • Marketing propensity modeling • Personalized loan offers and recommendations • Next-best-action and engagement optimization • Credit improvement and financial health predictions • Adapt and fine-tune foundation models and LLMs for domain-specific use cases including recommendation engines, intelligent copilots, and conversational insights • Partner closely with engineering teams to productionize models with strong considerations for latency, monitoring, reliability, and cost efficiency. • Help engineering build reusable ML frameworks, feature pipelines, and experimentation infrastructure to accelerate AI innovation. • Contribute to experimentation design (A/B testing, uplift modeling, bandits) to measure real business impact. • Work cross-functionally with Product and Business stakeholders to translate AI capabilities into measurable outcomes. • Implement model monitoring, drift detection, and performance tracking to ensure long-term reliability. • Follow responsible AI practices, ensuring fairness, transparency, and appropriate governance.
Benefits
• 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, you’ll 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. • The annual base salary for this position is between $180,000 to $200,000 depending upon experience. • Additionally we provide • Flexible Time Off (FTO) - take time off as needed to rest and recharge. • Medical, Dental, Vision – 100% premium paid for employee • Disability/Life Insurance • Opportunity for learning and career growth with a top Bay Area technology company • Reimbursement for remote work setup • Monthly stipend for phone and internet • Team building events, culture activities, all hands events • Paid time off to volunteer and serve the community • Half day Fridays • 401k matching contribution • Beautiful California East Bay offices in Dublin, CA • SavvyMoney’s EEO Statement
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