• Own the development of advanced modeling solutions that enable Zip’s next generation of financial products, leveraging rich data sources such as bank transaction data to unlock new product capabilities while strengthening the core business.
• Bring deep data science, applied research, and financial services expertise to develop and experiment with innovative modeling approaches—including traditional machine learning, algorithmic solutions, and AI-centric techniques—that balance risk, profitable growth, and long-term product opportunity.
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

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 push the product and analytical capabilities at Zip. Leveraging new rich data sources, you will build the first generation of models enabling new product capabilities. Along the way, you will also build foundational models that enhance the core business. This work will encompass traditional ML, algorithmic solutions, and AI-centric techniques that drive real business impact. You are self-driven, intellectually curious, and comfortable iterating on simple solutions that are informed by experimental results. 

Interesting problems you’ll get to solve

• Independently design, build, evaluate, and iterate on new AI/ML models leveraging bank transaction data to enable new product capabilities
• Rapidly experiment, build, and iterate on solutions, providing realistic proofs of concept that can be tested and refined
• Assist with test designs that produce the data necessary to build future versions of your models
• Balance short-term business outcomes with longer-term experimental opportunities that drive overall value of the business
• Leverage AI as a tool to increase productivity where they improve model quality, analytical efficiency, or product outcome 
• Build models that mitigate risk while driving profitable growth for the business
• Work closely with the Data and Machine Learning Engineering teams for production considerations to ensure data availability and model scalability
• Own assigned modeling solutions end-to-end, from model development through production monitoring
• Communicate findings, recommendations, and tradeoffs with business stakeholders

What you’ll bring to the team 

• Advanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)
• 5+ years of experience in Data Science (can include PhD work)
• 2+ years of experience working with data relevant to Financial Services
• Self-starter mentality with strong problem-solving and research skills; able to work independently to drive solutions
• Solid grasp of the fundamentals of probability, statistics, and applied research methods
• Experience working with cashflow data (e.g., Plaid, MX, Finicity) highly preferred
• Proficiency in Python and SQL; hands-on experience with Spark/PySpark a plus 
• Experience with Neural Networks, LLMs, GenAI 
• Experience with credit and/or fraud risk a plus
• Familiarity with version control systems such as Git
• Ability to thrive in a fast-paced, multi-tasking environment

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:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

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 $162,000 - $203,000. This range reflects our US national compensation band (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 commission awards, in addition to a full range of medical, financial, and/or other benefits. 

*Please note that visa sponsorship is not available for this position.

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 Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote