About PayJoy
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology creates collateral that enables customers to afford their first smartphone on credit and then allows them further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.
Founded in 2015, today PayJoy has reached hundreds of thousands of customers in a dozen countries around the globe, from Mexico to Indonesia, India, Kenya, and Nigeria, and is on a strong growth path with support from major industry partners to bring credit to millions in 2019.
This Role
As a Data Scientist at PayJoy, you will join a small but passionate team that is building PayJoy’s Score API technology to rewrite the rules that currently govern who on this planet has access to smartphones and the life-changing financial services they unlock. You will research, design, develop, validate, deploy and monitor machine-learning models that span multiple geographies. You will apply your skill set in automation and AI to collaborate on initiatives across product, engineering, marketing, and operations teams. You will work with everyone in the company to ensure that they understand (in human terms) what the data is whispering to you. You will not only possess all of these technical skills, but will also approach these data problems with humility and empathy for the billion users we are trying to serve.
Responsibilities
- Build neural nets and features that transform unstructured mobile data into useful predictions
- Work closely with global clients to ensure models perform in the real world
- Strategically expand PayJoy’s data using 3rd party information when it exists
- Work collaboratively with a team of Data Scientists and Engineers
- Process, clean, and verify the integrity of data used for analysis
- Build lightning fast ad-hoc analysis with concise and actionable results
- Create automated anomaly detection and tracking systems
Skills and Qualifications
- Masters or Ph.D. in Engineering or Statistics related fields.
- Excellent understanding of machine learning techniques and algorithms
- Strong neural-net and/or text processing a major plus.
- Applied statistical skills including test design, probability theory and time-series
- Excel with data science toolkits in Python or R.
- Proficiency querying data in SQL, Redshift and Snowflake.
- 5+ years professional experience building algorithms and automated systems
- Experience in Finance, Economics, Lending or FinTech is a plus
As part of PayJoy, you will have the opportunity to work on meaningful projects that immediately impact our customers, work alongside seasoned and fun-loving professionals, and contribute to a startup that is experiencing rapid growth.