Recruiting from Scratch
Who is Recruiting from Scratch:
Recruiting from Scratch is a talent firm that focuses on placing the best candidate for our clients. Our team is 100% remote and we work with teams across North America, South America, and Europe to help them hire.
Title of Role:
Data Scientist (Risk Intelligence) Location:
New York City, NY Company Stage of Funding:
Seed-Stage (Raised $11M + $100M debt facility) Office Type:
Onsite, 5 Days a Week Salary:
$140,000 - $170,000 (flexible for senior candidates) Company Description Our client is a rapidly growing fintech startup revolutionizing how high-growth consumer brands access and manage capital. With over $2B in GMV already flowing through their platform and a culture built on high agency, low ego, and strong ownership, they're building modern banking infrastructure that serves ecommerce businesses intelligently and transparently.This is an exciting opportunity to join a high-talent-density team where your work will directly influence smarter, faster lending decisions and fuel the next generation of digital commerce. What You Will Do As a
Data Scientist focused on Risk Intelligence , you'll be a foundational member of the Risk & Underwriting team. Your mission is to design and develop the data intelligence that powers credit decisioning, borrower performance evaluation, and risk management strategies.In this high-impact role, you will:
Build and iterate on underwriting models that power lending decisions for a fast-growing credit book. Partner closely with credit, data, and engineering teams to build dashboards, risk analytics, and portfolio monitoring tools. Work with large, messy real-world datasets to derive insights and transform them into scalable solutions. Develop tools that support risk mitigation and early warning systems. Influence the roadmap for intelligent lending products and help build the foundation for future AI/ML-powered risk intelligence. Ideal Candidate Background We're seeking someone who thrives in startup environments and can blend analytical rigor with business intuition. You might be a great fit if you:
Have 4+ years of experience in data science, ideally within fintech, credit, or underwriting roles. Understand the nuances of credit risk and have worked on real-world financial datasets. Have experience building data products or tools end-to-end (internal tools, side projects, small teams). Demonstrate ownership, high output, and ability to wear multiple hats. Communicate clearly and are comfortable navigating ambiguity with analytical and strategic thinking. Preferred Experience in or exposure to ecommerce lending (e.g., Shopify Capital, Wayflyer). Prior roles at both startups and more structured financial institutions (e.g., banks). Degrees in data science, statistics, analytics, or equivalent practical experience. Proficiency in SQL and Python or R. Familiarity with data visualization tools like Hex, Looker, Mode, or Metabase. Understanding of key financial and ecommerce KPIs. Compensation, Benefits & Other Info Base Salary:
$140,000 - $170,000 (with flexibility for senior candidates). Equity:
0.05-0.10% Visa Sponsorship:
Available for the right candidate. Relocation Support:
Offered for out-of-state hires. Interview Process:
Includes a take-home technical assessment, behavioral interview, and final rounds covering technical and non-technical evaluations. Work Setup:
In-person, 5 days per week in a vibrant New York City office. Why You Should Apply This is a rare opportunity to join a high-growth fintech company early in its journey and shape core data infrastructure. If you're excited to solve complex problems, influence product strategy, and see the direct impact of your work on real-world businesses, we'd love to hear from you.
https://www.recruitingfromscratch.com/
Recruiting from Scratch is a talent firm that focuses on placing the best candidate for our clients. Our team is 100% remote and we work with teams across North America, South America, and Europe to help them hire.
Title of Role:
Data Scientist (Risk Intelligence) Location:
New York City, NY Company Stage of Funding:
Seed-Stage (Raised $11M + $100M debt facility) Office Type:
Onsite, 5 Days a Week Salary:
$140,000 - $170,000 (flexible for senior candidates) Company Description Our client is a rapidly growing fintech startup revolutionizing how high-growth consumer brands access and manage capital. With over $2B in GMV already flowing through their platform and a culture built on high agency, low ego, and strong ownership, they're building modern banking infrastructure that serves ecommerce businesses intelligently and transparently.This is an exciting opportunity to join a high-talent-density team where your work will directly influence smarter, faster lending decisions and fuel the next generation of digital commerce. What You Will Do As a
Data Scientist focused on Risk Intelligence , you'll be a foundational member of the Risk & Underwriting team. Your mission is to design and develop the data intelligence that powers credit decisioning, borrower performance evaluation, and risk management strategies.In this high-impact role, you will:
Build and iterate on underwriting models that power lending decisions for a fast-growing credit book. Partner closely with credit, data, and engineering teams to build dashboards, risk analytics, and portfolio monitoring tools. Work with large, messy real-world datasets to derive insights and transform them into scalable solutions. Develop tools that support risk mitigation and early warning systems. Influence the roadmap for intelligent lending products and help build the foundation for future AI/ML-powered risk intelligence. Ideal Candidate Background We're seeking someone who thrives in startup environments and can blend analytical rigor with business intuition. You might be a great fit if you:
Have 4+ years of experience in data science, ideally within fintech, credit, or underwriting roles. Understand the nuances of credit risk and have worked on real-world financial datasets. Have experience building data products or tools end-to-end (internal tools, side projects, small teams). Demonstrate ownership, high output, and ability to wear multiple hats. Communicate clearly and are comfortable navigating ambiguity with analytical and strategic thinking. Preferred Experience in or exposure to ecommerce lending (e.g., Shopify Capital, Wayflyer). Prior roles at both startups and more structured financial institutions (e.g., banks). Degrees in data science, statistics, analytics, or equivalent practical experience. Proficiency in SQL and Python or R. Familiarity with data visualization tools like Hex, Looker, Mode, or Metabase. Understanding of key financial and ecommerce KPIs. Compensation, Benefits & Other Info Base Salary:
$140,000 - $170,000 (with flexibility for senior candidates). Equity:
0.05-0.10% Visa Sponsorship:
Available for the right candidate. Relocation Support:
Offered for out-of-state hires. Interview Process:
Includes a take-home technical assessment, behavioral interview, and final rounds covering technical and non-technical evaluations. Work Setup:
In-person, 5 days per week in a vibrant New York City office. Why You Should Apply This is a rare opportunity to join a high-growth fintech company early in its journey and shape core data infrastructure. If you're excited to solve complex problems, influence product strategy, and see the direct impact of your work on real-world businesses, we'd love to hear from you.
https://www.recruitingfromscratch.com/