Senior Machine Learning Scientist
Dave is a financial technology company.
Maintainer signals as of 9/2/2026
Funding history
About Dave Operating LLC
Dave Operating LLC operates Dave, a consumer-focused financial technology app designed to make banking and cash management more accessible. Its products include ExtraCash, which provides eligible members up to $500 through an overdraft service; Dave Checking, with direct deposit, debit-card spending, early paycheck access, ATM access, and budgeting tools; and Goals accounts for organizing and tracking savings. Dave serves individual consumers, particularly people seeking help managing expenses between paychecks, and provides its services through a mobile application in partnership with FDIC-member banks.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will develop and optimize underwriting, settlement, and collection strategies across the credit lifecycle. You will build machine learning and AI-enabled credit strategies, design experimentation frameworks, monitor portfolio performance, and turn analysis into production recommendations. You will also create reusable workflows for modeling, validation, documentation, testing, and monitoring.
Requirements
- 5+ years of experience in consumer credit risk, underwriting, settlement and collection, machine learning, or predictive analytics
- Experience with statistical modeling, machine learning, experimentation, and production decision systems
- Python
- SQL
- Experience developing credit strategies across the product lifecycle
- Knowledge of credit policy, risk appetite, portfolio management, credit performance monitoring, settlement, and collection
- Experience with cash-flow, income, behavioral, bureau, or alternative data
- Experience using AI-assisted tools across the machine learning development lifecycle
- Communication skills
- Bachelor’s or master’s degree in a quantitative discipline
Responsibilities
- Develop and optimize underwriting, settlement, and collection strategies
- Build machine learning and AI-enabled credit strategies using alternative data
- Design experimentation and evaluation frameworks
- Partner with cross-functional stakeholders on scalable decisioning solutions
- Monitor portfolio and business performance
- Build reusable modeling, analytics, and AI-assisted workflows
Benefits
- Equity
- Flexible hours
- Virtual-first work culture
- Home office stipend
- Medical insurance
- Dental insurance
- Vision insurance
- Paid parental and caregiver leave
- 401(k) matching contributions
- Financial advisor and financial wellness support
- Flexible PTO
- Company holidays
- In-person and virtual company events