SavvyMoney
Overview
Data Scientist (Dublin, CA)
at
SavvyMoney
– San Francisco East Bay fintech company focused on integrated credit score and personal finance solutions. We are headquartered in Dublin, CA, offering a flexible hybrid work environment that blends in-office collaboration with remote work. The role leads predictive modeling, personalization, and AI-driven financial recommendations to power personalized marketing, loan offers, credit improvement strategies, and next-best-action recommendations. The position requires expertise in data analysis to identify business opportunities, traditional machine learning methods (tree-based models, neural networks) and emerging techniques, including Large Language Models (LLMs). You will collaborate with engineering to deploy models into scalable, low-latency production environments and work with business and product stakeholders to generate ad-hoc analytics and actionable insights. Base pay range
$160,000.00/yr - $185,000.00/yr 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
Salary and Benefits
The annual base salary for this position is between $160,000 to $185,000 depending upon experience. 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 is committed to diversity and inclusion, and ensures nondiscrimination in all programs and activities. We hire regardless of race, color, sex/gender (including gender identity and expression), sexual orientation, pregnancy, national origin, religion, disability, age, marital or veteran status, citizen status, or any other protected classification under country or local law. SavvyMoney is an Equal Employment Opportunity/Affirmative Action Employer.
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Data Scientist (Dublin, CA)
at
SavvyMoney
– San Francisco East Bay fintech company focused on integrated credit score and personal finance solutions. We are headquartered in Dublin, CA, offering a flexible hybrid work environment that blends in-office collaboration with remote work. The role leads predictive modeling, personalization, and AI-driven financial recommendations to power personalized marketing, loan offers, credit improvement strategies, and next-best-action recommendations. The position requires expertise in data analysis to identify business opportunities, traditional machine learning methods (tree-based models, neural networks) and emerging techniques, including Large Language Models (LLMs). You will collaborate with engineering to deploy models into scalable, low-latency production environments and work with business and product stakeholders to generate ad-hoc analytics and actionable insights. Base pay range
$160,000.00/yr - $185,000.00/yr 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
Salary and Benefits
The annual base salary for this position is between $160,000 to $185,000 depending upon experience. 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 is committed to diversity and inclusion, and ensures nondiscrimination in all programs and activities. We hire regardless of race, color, sex/gender (including gender identity and expression), sexual orientation, pregnancy, national origin, religion, disability, age, marital or veteran status, citizen status, or any other protected classification under country or local law. SavvyMoney is an Equal Employment Opportunity/Affirmative Action Employer.
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