Staff Machine Learning Scientist, Risk

Company

Credit Genie is a mobile‑first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long‑term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder acquired by PayPal in 2017. Backed by Khosla Ventures and led by industry pioneers from companies such as PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting‑edge technology and customer‑centric solutions.

Overview

Come join our AI/ML and Data Science community at Credit Genie! We are seeking a ML Scientist technical leader with a solid background in Machine Learning and the consumer risk domain, who is excited about solving challenging Machine Learning and Data Science problems and driving results while maintaining the highest bar for methodological rigor. In this role, you will have an opportunity to design and implement our company’s next generation of Risk models that will have a vast impact across underwriting, fraud prevention and collections. These models are central to our business and have a direct impact on our customers every day. You will also design, execute, and evaluate new data acquisition processes as well as A/B tests and other experiments.

What You’ll Do

• Set the company’s Risk Machine Learning roadmap in collaboration with our cross functional partners
• Own the end‑to‑end design and development of ML solutions that power our products’ risk decisioning, driving both optimized risk outcomes and an exceptional customer experience
• Work with a growing team of AI/ML experts on the design and implementation of new Risk ML and feature engineering infrastructure
• Partner cross‑functionally with Product, Analytics, Engineering, and business teams to generate actionable insights and build data‑driven models that drive business impact
• Set and maintain the highest methodological standards for Data Science across the company
• Solve problems that have no clear existing solution and directly impact our customers

Requirements

• A Bachelor’s degree in Computer Science, Statistics, Mathematics, or a related field; an advanced degree is preferred
• 8+ years of hands‑on experience in machine learning, data science, or advanced analytics
• Deep understanding of machine learning algorithms, statistical modeling, and data analysis techniques
• Strong problem‑solving abilities, attention to detail, and a data‑driven mindset
• Excellent written and verbal communication skills, with the ability to explain complex technical concepts to non‑technical audiences
• Proficiency in Python and common ML/data libraries (NumPy, pandas, scikit‑learn, XGBoost, etc.)
• Experience with SQL and data platforms such as Snowflake, Databricks, and Tableau

Benefits and Perks

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness.

We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees.

• 100% company‑paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Monthly fitness reimbursement up to $100 or a full membership to LifeTime Fitness
• 401(k) with a 2.5% match and immediate vesting
• Meal program for breakfast, lunch, and dinner
• Life and accidental insurance
• Flexible PTO

Your actual level and base salary will be determined on a case‑by‑case basis and may vary based on the following considerations: job‑related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.