Senior Data Scientist

About PayJoy PayJoy is a mission-oriented company dedicated to helping a billion people worldwide gain initial access to modern financial systems and supporting their journey towards financial success. Founded in 2015, PayJoy's innovative technology utilizes a smartphone as collateral to introduce unbanked individuals to the credit system. In 2020, we achieved profitability, reaching 8 million satisfied customers and over a billion dollars in sales by 2023. This Role You will collaborate with our Risk and Fraud teams as well as other data scientists at PayJoy to unearth value in our data across different modeling scenarios. You will integrate these insights into the data features that you establish and the machine learning models that you devise and implement. As PayJoy expands into new regions with different data sources and new products with varying customer risks, this represents an opportunity to be involved in every phase of the model development lifecycle. You will eagerly become part of a data science team dedicated to enhancing credit and technology access in emerging markets. You'll be keen to learn the interrelation of machine learning and financial credit. You'll strive to develop data features and machine learning models that allow us to reliably predict customer risk. Responsibilities - Collaborate with expert business allies in transforming the potential of our data into tangible value. - Formulate data features to supply the machine learning models that you will construct. - Augment model performance by employing successful components of a model and transferring those insights to other models. Requirements - Minimum of 1 year of industrial experience in formulating and utilizing machine learning models. - Over 3 years of industry experience mainly functioning with data (as a data scientist, software engineer, data engineer, analyst, or in another technical role). - Expertise in both Python and SQL. - Some formal academic training in machine learning. - Proficiency in both oral and written English. Benefits - Company-funded health and dental insurance for employees and their immediate family members. - Life insurance. - 30 days of Christmas bonus. - 50% vacation premium. - 13% savings fund. - Monthly grocery coupons worth 2,000 MXN. - 20 days paid vacation. - 2,000 USD annual allowance for international business travel. - 2,000 USD annual professional development allowance. - Annual fitness allowance of 500 USD. - Annual Phone Finance allowance of 500 USD. - Home office equipment allowance of 250 USD. - 200 USD headphone allowance. PayJoy is proud to be an Equal Employment Opportunity employer, and we welcome and encourage individuals of all backgrounds. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other legally protected statuses. PayJoy Principles Finance for the next billion. Ownership. Break Through Walls. Live Communication. Transparency & Directness. Focus on Scale. Work-Life Balance. Embrace Diversity. Speed.