Source Job

• Set the technical strategy for your team, tying together critical projects across repayment, collections, recovery, and loss mitigation.
• Act as a force-multiplier by defining and advocating technical solutions and operational processes.
• Collaborate with product management, design, analytics, and risk to ensure technical sustainability and manage trade-offs.

Affirm is reinventing credit to make it more honest and friendly, giving consumers flexibility to buy now and pay later without hidden fees. The company is remote-first with a focus on people-first culture and offers competitive benefits.

• Drive credit risk frameworks for new acquisition channels including aggregator sites and marketing networks.
• Optimize underwriting and real-time decisioning strategies for a seamless customer experience.
• Shape product and pricing economics, including NPV modeling and promotional offers.

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, credit cards, and more. They have a growing team and a culture of data-driven decision making and innovation.

• Build analytics and procedures to monitor credit performance and protect Thrive’s bottom line.
• Produce reporting and dashboards that communicate credit risk trends to stakeholders.
• Monitor credit underwriting models and leverage AI/automation for more efficient insights.

Thrive Financial is a mission-driven fintech focused on enabling responsible, accessible financing. The company is in high growth mode and offers a fully remote, collaborative environment.

• Design, develop and deploy advanced statistical or machine learning models for credit risk, pricing, collections, fraud, and other high-impact business use cases.
• Lead end-to-end delivery of data science initiatives from problem framing through deployment and monitoring.
• Partner with cross-functional teams including Portfolio Strategy, Engineering, Product, and Sales to integrate models and solve critical business problems.

Forward Financing is a fintech company that unlocks capital for small businesses across America. Since 2012, it has provided over $4.8 billion in funding to more than 92,000 small businesses and is recognized as a Best Place to Work by Built In Boston.

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor and manage retail credit exposures from origination to portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.

CloudWalk is building the future of payments, operating as a Type 3/Segment S3 financial institution in the payments and acquiring space. The company focuses on risk management and innovation, with a high-performing team that values data, automation, and AI.

• Build and operate the real-time inference service for the risk decision engine with low latency and high availability.
• Own model deployment infrastructure including CI/CD, shadow mode, and staged rollouts.
• Build model observability and partner with Risk Data Science for production operation.

Mercury is a fintech company that provides banking services for startups via partner banks. The company is committed to creating a safe environment and values diversity, with a growing team focused on innovation.

• Define the technical strategy and roadmap for credit risk and fraud detection using statistical and ML approaches.
• Design, build, and deploy production-quality machine learning models for credit scoring, fraud detection, and risk modeling.
• Collaborate closely with Engineering, Product, Risk, and Operations teams to align data science strategy with business goals.

Djamo builds the future of banking in Africa with a super-app that combines payments, transfers, savings, and budgeting. Launched in 2020, the company serves over one million users and is backed by investors like Y Combinator and Partech, fostering a culture of innovation and inclusion.

• Lead the Control Discipline data and technology strategy and roadmap, aligning with Monzo's expansion plans and Group Risk strategy.
• Drive risk and control data transformation by partnering with Data and Engineering to translate risk management needs into technology requirements.
• Champion AI in risk management by identifying enterprise partners, running PoCs, and building business cases for AI-driven solutions.

Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and pensions in the UK. With over 10 years of growth, they are known for their hot coral cards, get-paid-early feature, award-winning customer service, and a culture focused on solving problems and changing lives.

• Lead development of AI-driven credit risk analytics and portfolio management frameworks.
• Serve as the connect point between Credit Risk and Capital Markets, translating complex models into investor narratives.
• Drive strategic initiatives to enhance risk-adjusted returns and support scalable growth through advanced analytics.

Achieve is a digital personal finance company that helps people move from struggling to thriving through innovative financial solutions. Since 2002, we've grown into one of the largest private consumer fintech unicorns in the U.S. with over 3,000 employees in hybrid and remote roles across the country.

• Analyze banking transactions and enhance fraud detection algorithms using graph-based analysis of financial data.
• Build and integrate ML models, including classic, graph-based, and neural network approaches, into the Fraud Protection platform.
• Document research findings and present them to stakeholders, contributing to broader graph-related tasks like GraphRAG components.

Group-IB is a leading cybersecurity technology creator dedicated to investigating, preventing, and fighting digital crime. With over 1,550 cybercrime investigations and 600+ enterprise customers globally, the company operates Digital Crime Resistance Centers across multiple regions, fostering a culture of mission-driven innovation and global collaboration.

• Design, develop, and optimize predictive risk models and decision frameworks across payment rails and cryptocurrency domains.
• Partner with Product, Engineering, and Operations to embed model-driven risk decisioning throughout the customer journey.
• Conduct deep-dive investigations into fraud events and payment losses, supporting model governance and regulatory review.

Binance.US is a licensed and regulated U.S. crypto platform providing secure access to over 190 cryptocurrencies with low fees. It is a remote-first team of innovators building the bridge between traditional finance and Web3, committed to financial freedom for all.

• Build and maintain backend services, Python libraries, and model lifecycle tooling for internal ML teams.
• Design and operate distributed systems for model serving, evaluation, and feature engineering.
• Focus on developer experience and reliability to help teams train, deploy, and serve ML models safely.

Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and more through a modern digital banking platform. With around 600 engineers out of roughly 5,000 employees, we value flexibility, collaboration, and open source contributions.

• Serve as a data architect for Monzo’s Operations data, designing and scaling data models to measure product performance.
• Build robust data models downstream of backend services in BigQuery to support reporting, machine learning, and regulatory use cases.
• Lead the re-architecture of entire data domains across Operations, including workforce and customer demand data.

Monzo is a UK digital bank offering personal and business accounts, savings, investments, and pensions, with a mission to make money work for everyone. It has over 10 million customers in the UK, growing by 200,000 monthly, and fosters a culture of fairness, transparency, and data-driven decision making.

• Lead four engineers building and maintaining the credit risk modelling platform and surrounding infrastructure.
• Raise engineering standards across modelling systems, focusing on reliability, observability, reproducibility, and safe change.
• Stay hands-on in the codebase to address ambiguity and cross-system complexity while balancing rigour with speed.

Iwoca provides flexible finance for small and medium-sized businesses, using smart technology and data science to offer responsive funding. With over 100,000 businesses served and £4 billion in funding, their passionate team drives to support one million SMEs, creating lasting impact for communities and economies.

• Generate insights that drive strategic direction through proactive analysis.
• Bring data-driven rigor to product development and structure complex projects.
• Create metrics to understand user behavior and drive product decisions.

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and pensions. With over 12 million customers in the UK and a strong culture of data-driven decision making, they have built a product that people love, with over 80% of growth coming from word of mouth and referrals.

• Lead Data + ML Platform strategy and execution, including MLOps and data engineering.
• Build and scale the engineering team, coaching engineers and fostering a culture of ownership.
• Partner cross-functionally with Product, Hardware, and Data Science to drive technical direction and business outcomes.

Inspiren offers the most complete and connected ecosystem in senior living, founded by a former Green Beret turned cardiothoracic nurse. The company is building an integrated platform with smart sensors and analytics to improve care outcomes.

• Develop, validate, and optimize statistical and machine learning models including regression and XGBoost to detect and prevent fraud.
• Design features, build tools, and deploy models in production environments to improve performance and stability.
• Conduct model governance activities including validation, documentation, and ongoing monitoring with clear reporting.

Experian is a global data and technology company powering opportunities for people and businesses worldwide, operating across financial services, healthcare, automotive, and more. With 23,300 employees in 32 countries, the company is a FTSE 100 Index listed firm recognized for its people-first culture and advanced technology investments.