Staff Risk Data Scientist

  • Full Time

About, together with its wholly owned subsidiaries Divvy and Invoice2go, is focused on being the one stop shop that simplifies, digitizes, and automates complex financial operations for small and midsize businesses. Customers use the platform to manage end-to-end financial workflows and to process payments. The AI-enabled, financial software platform creates connections between businesses and their suppliers and clients. It helps manage cash inflows and outflow. The company partners with several of the largest U.S. financial institutions, the majority of the top 100 U.S. accounting firms, and popular accounting software providers. has its headquarters in San Jose, California with offices in Houston, Texas, Draper, Utah, and Sydney, Australia.

Our Data team is growing! We’re looking for an exceptional staff data scientist to join us and help use data to improve and simplify the ways we identify and work with the businesses in’s network. You’ll become part of a team of data scientists and product analysts who work closely with the Product Management, Engineering, Risk and Marketing teams at You’ll become a thought leader within our team, both by driving your own work and by providing technical guidance and oversight for more junior team members.


Professional Experience/Background to be successful in this role:


  • Minimum 6 years of industry experience in data science
  • An advanced degree (M.S., PhD.), preferably in Statistics, Physical Sciences, Computer Science, Economics, or a related technical field
  • Experience using statistics and data science to solve complex business problems
  • Proficiency in SQL, Python including key data science libraries
  • Explore machine learning model applications to identify growth opportunities, improve customer experiences and predict product risk
  • Outstanding data analysis and problem-solving skills
  • Ability to communicate analysis and insights to technical and non-technical audiences
  • Ability to foster collaborative relationships with cross-functional teams
  • Coach and develop junior team members

    Competencies (Attributes needed to be successful in this role):


  • Functional/Technical Expertise
  • Learning Abilities/Tech Savvy
  • Excellent Communication
  • Team Player Attitude

    Expected Outcomes in 3, 6, or 12 months:


  • Partner with Marketing, Product and Risk teams to define business problems and recommend data and model driven solutions
  • Create and deploy ML models to predict product usage and create customer segmentation
  • Create and deploy ML models to predict fraud and credit characteristics of small business customers
  • Create and deploy ML models to determine firmographic characteristics of businesses (e.g., number of employees, industry classification) based on internal and external data sources
  • Continuously evolve the strategies and models to improve the risk strategy performance
  • Identify and evaluate new data sources to build effective fraud controls for online transactions
  • Provide on-going tracking and monitoring of performance of decision systems and statistical models


  is committed to a policy of equal employment opportunity. We recruit, employ, train, compensate, and promote without regard to race, color, age, sex, ancestry, marital status, religion, national origin, disability, sexual orientation, veteran status, present or past history of mental disability, genetic information or any other classification protected by state or federal law. Culture:
    ●      Humble – No ego
    ●      Fun –  Celebrate the moments
    ●      Authentic – We are who we are
    ●      Passionate – Love what you do  
    ●      Dedicated – To each other and the customer
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