Source Job

• Own productization of Alt's pricing and underwriting models from research through production, keeping them accurate and fast at scale.
• Optimize pricing models to reduce infrastructure costs while improving accuracy, especially for high-value assets.
• Lead the full ML lifecycle from model training and feature generation to production deployment and monitoring.

Alt unlocks the value of alternative assets, starting with the $5B trading-card market, offering a platform for collectors to buy, sell, vault, and finance their cards. Backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes, the company is at an inflection point with its pricing intelligence infrastructure as a competitive moat.

• Develop and enhance risk strategies using cash flow data to optimize loan portfolio performance.
• Design and implement end-to-end loan application workflows that integrate bank data for increased originations.
• Perform proactive portfolio analysis to identify emerging credit trends and drive data-driven insights.

Attain Finance is a consumer credit lender with over 50 years of expertise providing credit solutions across the U.S. and Canada through brands like Cash Money, LendDirect, and Heights Finance. The company is a dynamic, collaborative team of industry professionals focused on innovation and where contributions are valued.

• 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.

• Turn complex product, customer, and risk data into clear insights and decision frameworks.
• Use AI tools and agent workflows to improve speed and quality of analytical work.
• Define and maintain measurement frameworks for credit products including customer eligibility and repayment behavior.

Block builds technology to increase access to the global economy through brands like Square, Cash App, and Afterpay. Cash App has thousands of employees globally, with a culture geared toward innovation, collaboration, and impact.

• Own end-to-end credit strategy, risk modeling, and portfolio performance for embedded lending products, ensuring seamless translation of data into underwriting decisions.
• Drive data integrity, source new signals, and build monitoring frameworks to optimize approval rates and loss performance across all credit products.
• Lead a team of seven risk specialists, fostering analytical rigor and accountability while collaborating cross-functionally with Product, Engineering, and Capital Markets.

Pipe builds embedded capital for small businesses through credit products inside software platforms like vertical SaaS and marketplaces. It is a remote-first team with 250% ARR growth year over year, partnerships with major brands like Uber Eats, and a culture of high trust and no ego.

• Review, test, and verify ARIVE AI Underwriting Rules against agency guides and investor guidelines.
• Work directly with lender credit and underwriting teams to confirm rule accuracy.
• Own Pre-Underwrite outputs end to end, audit findings, and drive quality KPIs.

ARIVE is the industry's first integrated LOS, POS, and Pricing Engine with a connected Lender Marketplace for independent mortgage originators. We are a dynamic high-growth company revolutionizing digital mortgage originations with a culture of innovation and collaboration.

• Recommend underwriting, line, and policy changes to grow approvals and usage using internal and external data.
• Develop cross-product credit profiles and identify signals for better credit decisions.
• Design and analyze experiments, turning results into strategic recommendations for portfolio growth.

OnePay is a consumer fintech platform offering banking, savings, credit, lending, investing, and crypto services. Backed by Walmart and Ribbit Capital, the company has a fast-paced, mission-driven culture with a focus on innovation and growth.

• Develop statistical and machine learning models for credit and risk applications.
• Conduct all stages of model development from data exploration to deployment.
• Collaborate with cross-functional teams to translate business needs into analytical solutions.

Experian is a global data and technology company that drives opportunities for people and businesses worldwide. With 25,200 employees across 32 countries, it fosters an inclusive, purpose-driven culture recognized as a Great Place to Work.

• Build and ship ML models to help customers search and find answers about their financial lives.
• Develop user and product embeddings, contextual bandits, and personalized ranking algorithms.
• Work with a modern cloud-native data platform to deploy models to millions of customers.

Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and pensions with a focus on solving problems and changing lives. With over 15 million customers and a culture of innovation, Monzo prioritizes diversity and inclusion.

• Own the full data science engine for a priority vertical, from business problem to deployed model to live ROAS performance, driving measurable revenue and media efficiency.
• Deliver buying models that maintain positive ROAS and improve lead quality across a portfolio of brands.
• Establish trusted, direct partnership with business stakeholders and identify net-new modeling opportunities.

Launch Potato is a profitable digital media company that connects consumers with leading brands through data-driven content and technology. With a remote-first team spanning over 15 countries and reaching 30M+ monthly visitors, they have a high-growth, high-performance culture focused on speed, ownership, and measurable impact.

• Design and ship AI sub-agents that act across the customer lifecycle, combining predictive models and LLM reasoning.
• Build predictive and prescriptive models for churn risk, growth, adoption, and account health scoring.
• Partner with Product, Engineering, and Applied AI teams from problem framing through production deployment.

Smartsheet empowers teams to manage work seamlessly and scale solutions smarter, now uniting human teams with AI agents. With over 20 years of experience, they foster a culture of innovation and collaboration.

• Develop credit and fraud strategies using data, machine learning models, and advanced analytics to optimize risk decisions.
• Design A/B tests to balance risk and customer experience, and partner with Data Science, Product, and Engineering teams.
• Analyze portfolio performance at a granular level, identify trends, and communicate findings to Risk Management.

Prosper is a fintech company that pioneered peer-to-peer lending in the US, offering personal loans and credit cards to help consumers achieve financial well-being. Since 2005, it has served over 2 million customers and fosters a culture of collaboration, curiosity, and accountability.

• 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.

• Build and own attribution and marketing mix models using state-of-the-art machine learning algorithms.
• Design experiments and interpret results to draw detailed and actionable conclusions.
• Work cross-functionally with product, engineering, and business teams.

Moniepoint is an all-in-one digital financial services platform for businesses in emerging markets. Since 2019, it has powered over a million businesses, is Africa's second-fastest growing fintech, profitable, and recognized as the most inclusive payment platform in Nigeria.

• Own the full data science engine for a priority vertical, from business problem to deployed model to live ROAS performance.
• Build buying models that maintain positive ROAS and drive lead quality improvements across a portfolio of brands.
• Establish direct partnership with vertical business stakeholders and identify net-new modeling opportunities.

Launch Potato is a digital media company that reaches over 30M monthly visitors through brands like FinanceBuzz and All About Cookies. Headquartered in South Florida with a remote-first team spanning over 15 countries, they have a high-growth, high-performance culture.

• Own ML models across their full lifecycle from data pipelines to deployment and monitoring, ensuring reliable performance.
• Run and improve the ML platform including GitOps CI/CD, monitoring serving endpoints, and defining SLOs.
• Collaborate with risk, operational, and product teams to turn ML into business value across the organization.

Alma provides installment and deferred payment solutions to help merchants boost sales and customer loyalty, without encouraging bad debt. With over 25,000 merchants, 10 million consumers, 380+ employees, and over €100M ARR, they are a Next40 member scaling rapidly across Europe.

• Define and drive the technical roadmap for personalization and recommender systems, prioritizing items to meet business goals.
• Design and lead development of software used by multiple teams, ensuring maintainability, scalability, and adaptability.
• Mentor senior and mid-level scientists, setting high code quality standards and best practices for the team.

Penguin Random House is the leading adult and children's publishing house in North America, the United Kingdom, and many other regions around the world. Our vibrant and diverse international community of nearly 300 publishing brands and imprints includes Ballantine Bantam Dell, Berkley, Clarkson Potter, Crown, DK, Doubleday, and many others.

• Design and scale LLM-based systems processing billions of unstructured data points daily for insurers.
• Own end-to-end outcomes, set technical direction, and solve cutting-edge challenges under ambiguity.
• Work in a small team where individual contributions have outsized impact on technology and business.

Kalepa is building professional-grade AI systems for the insurance industry, augmenting professionals and automating decision-making across workflows. Backed by IA Ventures and Inspired Capital, the team brings experience from Facebook, Palantir, Google, and other top companies, with a culture of hustle, meritocracy, and transparency.

• Develop underwriting strategies for the assigned loan portfolio to improve performance and achieve business objectives.
• Build dashboards and automate complex queries to monitor portfolio performance and enhance credit risk insights.
• Interface with the Modeling/Scoring team to deploy risk strategies based on new models and improve deployment effectiveness.

Attain Finance brings over 50 years of expertise in providing credit solutions across the U.S. and Canada. They are a leading consumer credit lender with a portfolio including brands like Cash Money, LendDirect, and Heights Finance.