Data Scientist
Data ScientistData
0 views0 saves0 applied
Quick Summary
Overview
What We Do Pavefi.com helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved,
Technical Tools
Data ScientistData
Pavefi.com helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics.
100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system.
We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk.
Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.
Pave is backed by Better Tomorrow, Bessemer, 8VC, and other top funds and angels from Coinbase, Chime, SoFi, CashApp, and Plaid.
Reporting directly to the Director of Data Science, you will play a crucial role in driving customer adoption by producing models that demonstrate the impact of our cashflow scores and attributes on customers’ bottom lines. Your analytical skills, coupled with experience in building highly-performing statistical models and knowledge of credit risk in the US, will be instrumental in improving our data products and in influencing our product roadmap.
Responsibilities
~1 min read- →Develop and maintain models (whether ML-based or heuristics-based) to enhance our product offerings.
- →Analyze the impact of Pave’s scores and attributes on customer performance metrics, particularly focusing on increasing approvals and reducing defaults.
- →Design, implement, and evaluate experiments to test the effectiveness of new attributes and models.
- →Collaborate with data engineers to put your models in production, monitor their performance and conduct regular updates to maintain their accuracy.
- →Communicate findings and recommendations to stakeholders through clear, concise reports, dashboards and presentations.
- →Stay up-to-date with industry best practices and advancements in data science, AI and ML, and credit risk analytics tools, and technologies.
- →Help ensure all models, attributes, and analyses are compliant with fair lending practices, translating these considerations into the attributes and analyses we conduct for credit risk.
Requirements
~1 min read- Strong analytical and data exploratory skills with the ability to ask the right questions, interpret data and provide actionable insights.
- Demonstrated experience of going from data analysis to building highly performing ML models, including feature engineering and measuring performance.
- Solid understanding of machine learning libraries like scikit-learn, and tree ensemble packages like XGBoost.
- Strong problem-solving skills and a detail-oriented mindset.
- Ability to work independently and collaboratively in a team environment.
- Ability to clearly communicate findings and insights to both technical and non-technical stakeholders, including external partners and customers.
- Knowledge and experience building credit risk models, with an understanding of credit risk in the US.
- Work experience in US fintech or in the financial industry.
Include this role's title in your subject line (it'll help us to sort through the emails).
Send along links that best showcase the relevant things you've built and done.
Location & Eligibility
Where is the job
Los Altos, United States
Remote within one country
Who can apply
US
Listing Details
- Posted
- May 5, 2025
- First seen
- September 26, 2026
- Last seen
- September 30, 2026
Posting Health
- Days active
- 3
- Repost count
- 0
- Trust Level
- 29%
- Scored at
- September 30, 2026
Signal breakdown
freshnesssource trustcontent trustemployer trust
External application
Newsletter
Stay ahead of the market
Get the latest job openings, salary trends, and hiring insights delivered to your inbox every week.
A
B
C
D
No spam. Unsubscribe at any time.