<ul> <li>5+ years of experience in Data Science, with 2+ years applying ML/AI solutions in Financial Services </li> <li>Experience with Credit and/or Fraud Risk </li> <li>Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office </li> </ul>   Start your adventure with Zip  As a Senior Data Scientist II, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact across Zip. These models support a variety of domains, with an emphasis on credit and fraud risk but also  customer experience, marketing, and more. Your work will strengthen Zips core Data Science capabilities—from faster iteration cycles to rigorous model governance and documentation. Youll also play a key role in unlocking new business value by applying cutting-edge modeling techniques and AI solutions that drive revenue growth, cost efficiency, and improved operations across the company. Interesting problems you’ll get to solve <ul> <li>Own the model lifecycle end-to-end; develop, validate, and deploy AI/ML solutions to complex business problems, with an emphasis on credit and fraud risk models</li> <li>Clearly communicate modeling objectives, assumptions, limitations, and performance considerations findings to stakeholders across the business</li> <li>Explore and validate data sources, including ad hoc profiling and integrity checks, to support modeling efforts</li> <li>Ensure rigorous documentation and clean, maintainable code</li> <li>Clearly articulate modeling objectives, assumptions, limitations, and performance considerations</li> <li>Adapt to evolving tools and modeling techniques (e.g., GenAI) with agility, and stay ahead of the curve through self-driven learning</li> <li>Collaborate with ML engineers to deploy scalable and robust solutions</li> <li>Work cross-functionally to gather insights and requirements from various stakeholders</li> </ul>   What you’ll bring to the team  <ul> <li>Advanced degree (Masters or PhD) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)</li> <li>5+ years of experience in Data Science</li> <li>2+ years of experience in Financial Services</li> <li>Experience with credit and/or fraud risk</li> <li>Experience working with cashflow data (e.g., Plaid, MX, Finicity), particularly in risk modeling, is a strong plus</li> <li>Demonstrated proficiency with AI/ML in financial services; risk modeling experience a plus</li> <li>Experience implementing models in production</li> <li>Proficiency with Python and SQL</li> <li>Hands-on experience with Spark/PySpark</li> <li>Proficiency with AI architectures/platforms/tooling (e.g., neural networks, GenAI)</li> <li>Solid grasp of the fundamentals of probability, statistics, and applied research methods</li> <li>Familiarity with version control systems such as Git</li> <li>Self-starter mentality with strong problem-solving and research skills</li> <li>Familiarity with neural networks and/or GenAI models </li> <li>Ability to thrive in a fast-paced, multi-tasking environment</li> </ul>   What you’ll get in return Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.  We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back. We think these are just some of the best things about being a Zipster. We will also offer you: <ul> <li>Flexible working culture</li> <li>Incentive programs</li> <li>20 days PTO every year</li> <li>Generous paid parental leave</li> <li>Leading family support policies</li> <li>100% employer covered insurance</li> <li>Beautiful Union Square office with a casual dress code</li> <li>Learning and wellness subscription stipend</li> <li>Company-sponsored 401k match</li> </ul>   Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $132,000 -160,000. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy.   Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.    If hired, employees will be in an at-will position and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.   Be a part of a team that reflects the diversity of our customers   We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.   Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.   And finally…get to know us   Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.   Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.   We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.   I acknowledge by clicking Submit Application, that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our <a href="https://zip.co/careers/us-candidate-privacy-notice">Zip Applicant and Candidate Privacy Notice</a> and authorize Zip to process your data subject to those terms.    Zip participates in the federal government’s E-Verify program   <a href="https://rebrand.ly/check-zip-out">Before you apply, give Zip a try   -&gt; rebrand.ly/check-zip-out</a> We are a proud 2025 Circle Back initiative employer and will respond to every applicant.

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