Data Scientist (Dublin, CA)

Data Scientist (Dublin, CA)

SavvyMoney is a leading San Francisco East Bay fintech company.  We provide integrated credit score and personal finance solutions to 1,500 + bank and credit union partners nationally.  The SavvyMoney solutions integrate with more than 43 digital banking platforms.

SavvyMoney was recently recognized by the San Francisco Business Times and the Silicon Valley Journal as one of the "Top 25 Places to Work in the San Francisco Bay Area" and is an Inc. 5000 Fastest Growing Company.

We’re headquartered in Dublin, CA, and offer a flexible hybrid work environment that blends in-office collaboration with the freedom of remote work. **To be considered for this position, you must currently live in the San Francisco Bay Area and be willing to work from our Corporate Offices in Dublin, Ca 2-3 days each week. 

We are seeking a seasoned Data Scientist to join our team and lead initiatives in predictive modeling, personalization, and AI-driven financial recommendations. This individual will play a key role in building models that power personalized marketing, loan offers, credit improvement strategies, and next-best-action recommendations.

The role requires expertise in data analysis to uncover business opportunities, traditional machine learning methods (tree-based models, neural networks) and emerging techniques, including Large Language Models (LLMs). You will collaborate closely with engineering to deploy models into scalable, low-latency production environments, as well as work with business and product stakeholders to generate ad-hoc analytics and actionable insights.

Responsibilities

• Perform exploratory and statistical data analysis to identify opportunities for model development and business optimization
• Design, build, and optimize machine learning models for:
  • Marketing propensity modeling
  • Personalized loan offers and recommendations
  • Next-best-action predictions for improving credit scores
• Prototype solutions using advanced AI techniques to accelerate experimentation
• Partner with engineering teams to productionize models in a scalable and latency-conscious environment
• Query and analyze large datasets to uncover business insights and support decision-making
• Collaborate with business and product stakeholders to define problems, scope analyses, and deliver ad-hoc reports and dashboards
• Develop reusable frameworks, pipelines, and tools to accelerate model development and deployment
• Document methodologies, models, and assumptions to ensure clarity, reproducibility, and knowledge sharing
• Follow ethical AI principles and established guardrails to ensure fairness, transparency, and unbiased predictions.

Experience 

• Master’s or PhD in Computer Science, Statistics, Data Science, or related field (or equivalent experience)
• 6+ years of professional experience in data science or machine learning, ideally in fintech, financial services, or a B2B2C environment
• Strong proficiency in SQL and Python (pandas, scikit-learn, PyTorch, TensorFlow, XGBoost, etc.)
• Hands-on experience with tree-based models (XGBoost, LightGBM, CatBoost) and neural networks
• Proficiency in notebooks (Jupyter, Colab, etc.) and deep learning frameworks such as TensorFlow and PyTorch for model development
• Familiarity with LLMs and generative AI frameworks (HuggingFace, LangChain, OpenAI APIs, etc.) 
• Experience deploying machine learning models into production environments with considerations for scalability and latency
• Strong business acumen with the ability to translate complex analytical outputs into actionable recommendations
• Excellent communication skills to collaborate with both technical and non-technical stakeholders

Preferred Experience 

• Experience with cloud-based platforms (AWS, GCP, or Azure) for model training and deployment
• Knowledge of MLOps tools and practices (MLflow, Airflow, Kubeflow, Docker, etc.)
• Understanding of credit risk modeling, financial products, or consumer lending.
• Experience working with APIs, real-time scoring, and event-driven architectures.

Why Join Us?

• High Impact: Your models will directly shape how people access loans, improve credit scores, and receive personalized financial recommendations
• Innovation-First Culture: From tree-based models to neural networks and LLMs, you’ll have the freedom to prototype with state-of-the-art techniques and put them in action
• Cross-Functional Collaboration: Work closely with product, engineering, and business leaders to take ideas from prototype to production.
• Mission-Driven: Help democratize financial wellness and unlock opportunities for millions.

Base Salary 

The annual base salary for this position is between $160,000 to $185,000 depending upon experience.

Additionally we provide

• Annual Bonus potential
• Equity compensation package
• Flexible Time Off Policy (Take time as you need it)
• 401(k) with Employer contribution
• Medical, Dental, Vision – 100% premium paid for employee
• Opportunity for career growth and challenge
• Beautiful California East Bay offices in Dublin, CA 

SavvyMoney’s EEO Statement

SavvyMoney relies on diversity of culture and thought to deliver on our goal of Creative People, Practical solutions serving our client needs, and ensures nondiscrimination in all programs and activities. We continuously seek talented, qualified employees in our operations regardless of race, color, sex/gender, including gender identity and expression, sexual orientation, pregnancy, national origin, religion, disability, age, marital status, citizen status, protected veteran status, or any other protected classification under country or local law. SavvyMoney is proud to be an Equal Employment Opportunity/ Affirmative Action Employer.

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