Dave - Lead Machine Learning Scientist
Requirements
• 7+ years of hands-on machine learning experience, with a demonstrated track record of personally developing, deploying, and optimizing predictive models in production environments. • 7+ years of hands-on machine learning experience • Deep fraud modeling expertise, including experience building ML solutions to detect identity fraud, synthetic identities, first-party fraud, and account takeover, ideally within fintech, consumer lending, or financial services. • Deep fraud modeling expertise • Advanced proficiency in Python and SQL, with strong experience in feature engineering, model development, experimentation, performance evaluation, and production ML systems. • Advanced proficiency in Python and SQL • 4+ years of experience with ML frameworks and cloud technologies, including tools such as TensorFlow, PyTorch, Spark, and cloud-based ML infrastructure. • 4+ years of experience with ML frameworks and cloud technologies • Experience leveraging generative AI and AI-assisted tools across research, coding, analysis, experimentation, testing, and model development, with sound judgment in validating outputs. • Experience leveraging generative AI and AI-assisted tools • Strong analytical and business judgment, with the ability to evaluate trade-offs across fraud prevention, approval rates, profitability, compliance, and member experience. • Strong analytical and business judgment • Proven end-to-end execution, with the ability to independently tackle complex ML problems, make sound technical decisions, and deliver measurable results. • Proven end-to-end execution • Strong communication and collaboration skills, including the ability to explain technical findings, partner across functions, and mentor fellow scientists through hands-on expertise. • Strong communication and collaboration skills • Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, or a related quantitative field, or equivalent practical experience. • Bonus points: Experience with graph databases, graph-based fraud detection, or network analytics. • What Makes Someone Successful Here • You enjoy getting into the details. You're curious about data, thoughtful in your modeling decisions, and motivated by seeing your work make a measurable difference. You take ownership from problem definition through production, balancing technical rigor with practical business outcomes. You care about building solutions that work today and continue delivering value as Dave grows. • You also recognize that great models don't exist in isolation. You collaborate openly, welcome feedback, and understand how your work connects to broader product and business decisions. When new information challenges your assumptions, you're willing to rethink your approach and find a better solution. • What to Expect • You'll have the autonomy to tackle complex technical challenges while working alongside collaborative partners who care about getting the details right. Our priorities evolve as we learn, and we rely on data, experimentation, and thoughtful discussion to guide decisions. • We value technical excellence, meaningful ownership, and sustainable performance.
Benefits
• $174K – $224K • Offers Equity • Dave has established a nationally applicable pay program that recognizes that regardless of where Daves choose to live, their time and effort are of equal value to the company. As such, we utilize base salary ranges that are intended to be competitive in all markets and do not differentiate pay based on employee work location. Actual compensation will vary based on an individual's previous experience, skills and other relevant qualifications. • Dave vs. Goliath. We’re Dave. • Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option. • Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most. • At Dave, you'll work on challenging, real-world machine learning problems where your models directly influence business outcomes and member experiences. You'll have the opportunity to experiment with emerging AI technologies, develop sophisticated fraud detection solutions, and contribute to financial products that make a meaningful difference. • Ready to build for the underdog? • Reports to: Director, Risk ScienceEmployment Type: Full-Time | Exempt • Reports to: • Employment Type: • Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles. • At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii. • 💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals • 💻 Flexible hours and virtual-first work culture with a home office stipend • 🏥 Premium Medical, Dental, and Vision Insurance plans • 👶 Generous paid parental and caregiver leave • 💰 401(k) savings plan with matching contributions • 📈 Financial advisor and financial wellness support • 🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break • 🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team • Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.
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