Senior Data Scientist II

Advanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)5+ years of experience in Data Science (can include PhD work)Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip As a Data Scientist, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact across Zip. These models support a variety of domains, with an emphasis on credit and fraud risk but also customer experience, marketing, and more.Your work will focus on pushing the next frontier of capabilities at Zip, leveraging new rich data sources. This is a green field opportunity to experiment and build for the future of the company, leveraging both traditional ML and new AI-based methodologies to build customer-facing and backend functionalities. This is an opportunity to build high-impact and high-visibility models.Interesting problems you’ll get to solveBuild new AI/ML models leveraging bank transaction data to enable customer experiences and to support core business objectivesRapidly experiment, build, and iterate on solutions, providing realistic proofs of concept that can be tested and refined. Solutions include, but are not limited to, customer-focused financial insights, portfolio forecasting, risk and underwriting, marketing, and recommender systemsProvide guidance on test design and data collection to maximize the future success of your modelsEmploy the latest GenAI techniques where appropriate to maximize performance and build for the future Work closely with the Data and Machine Learning Engineering teams for production considerations to ensure data availability and model scalabilityClearly communicate modeling objectives, assumptions, limitations, and performance considerations to stakeholders across the businessExplore and validate data sources, including ad hoc profiling and integrity checks, to support modeling effortsEnsure that work is reproducible with clear, maintainable codeWork cross-functionally to gather insights and requirements from multiple stakeholders including Product, Risk, and EngineeringWhat You’ll Bring To The TeamAdvanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)5+ years of experience in Data Science (can include PhD work)2+ years of experience working with data relevant to Financial ServicesSelf-starter mentality with strong problem-solving and research skills; able to work independently to drive solutionsSolid grasp of the fundamentals of probability, statistics, and applied research methodsExperience working with cashflow data (e.g., Plaid, MX, Finicity) highly preferredProficiency in Python and SQL; hands-on experience with Spark/PySpark a plus Experience with Neural Networks, LLMs, GenAI Experience with credit and/or fraud risk a plusFamiliarity with version control systems such as GitAbility to thrive in a fast-paced, multi-tasking environmentWhat You’ll Get In ReturnZip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.We think these are just some of the best things about being a Zipster. We will also offer you:Flexible working cultureIncentive programs20 days PTO every yearGenerous paid parental leaveLeading family support policies100% employer covered insuranceBeautiful Union Square office with a casual dress codeLearning and wellness subscription stipendCompany-sponsored 401k matchZip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.The annual base Pay Range for this position is $132,000 -160,000. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy.Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.Be a part of a team that reflects the diversity of our customersWe pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.And finally…get to know usZip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify programBefore you apply, give Zip a try -> rebrand.ly/check-zip-outWe are a proud 2025 Circle Back initiative employer and will respond to every applicant.