Staff Data Scientist, ML (Credit Risk)

<div class="content-intro"><h2>Join us in building the future of finance.</h2>
<p>Our mission is to democratize finance for all. <a href="https://www.cerulli.com/press-releases/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048" target="_blank">An estimated $124 trillion of assets</a> will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading.</p></div><div class="markdown-document">
<h2><span data-markdown-start-index="3">About the team + role</span></h2>
<p><span data-markdown-start-index="25">We are building an elite team, applying frontier technologies to the world's biggest financial problems. We're looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn't a place for complacency, it's where ambitious people do the best work of their careers. We're a high-performing, fast-moving team with ethics at the center of everything we do. </span><span data-markdown-start-index="451">Expectations are high, and so are the rewards. </span></p>
<p><span data-markdown-start-index="524">The Credit Card business team's mission is to shape Robinhood’s vision in the credit and banking space by delivering smart, customer-focused financial solutions. Our team is dedicated to reshaping the credit landscape and redefining the way people interact with financial services daily. We leverage cutting-edge analytical tools and diverse datasets to build deep understandings of consumer credit behaviors. We aim to make financial services accessible to everyone, building programs that support Robinhood’s broader goals!</span></p>
<p><span data-markdown-start-index="1050">As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending decisions. These models will drive decisions ranging from approve/decline, line assignment at origination and future credit limit increases. You will leverage traditional and non-traditional data sources to build highly predictive risk models. You will own the full lifecycle of model development from data prep, model building to model deployment.</span></p>
<p><span data-markdown-start-index="1620">This role is based in our Bellevue, WA, Menlo Park, CA, or Washington, DC office(s), with in-person attendance expected at least 3 days per week. </span></p>
<p><span data-markdown-start-index="1793">At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen community. </span><span data-markdown-start-index="1947">Our office experience is intentional, energizing, and designed to fully support high-performing teams. </span></p>
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<h2><span data-markdown-start-index="2083">What you'll do</span></h2>
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<p><span data-markdown-start-index="2100">Build credit risk models for customer acquisitions (credit approval and credit limit assignment) and customer management</span></p>
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<p><span data-markdown-start-index="2222">Collaborate with credit analysts and product managers to understand the business problem and deliver appropriate models to solve them</span></p>
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<p><span data-markdown-start-index="2357">Create rich datasets leveraging both traditional and non-traditional data sources. Work on innovative tools to generate powerful features that boost models</span></p>
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<p><span data-markdown-start-index="2514">Deploy, maintain and monitor models in production</span></p>
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<p><span data-markdown-start-index="2565">Communicate with senior stakeholders in credit, product and engineering to deliver key results and findings</span></p>
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<h2><span data-markdown-start-index="2680">What you bring</span></h2>
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<p><span data-markdown-start-index="2697">You have 7+ years of experience in data science and credit modeling</span></p>
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<p><span data-markdown-start-index="2766">You have strong proficiency in SQL and Python for data analysis and modeling</span></p>
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<p><span data-markdown-start-index="2844">You have experience designing experiments and interpreting results to guide product decisions</span></p>
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<p><span data-markdown-start-index="2939">You have domain knowledge and expertise in traditional credit data. Experience with non traditional credit data (such as cash flow) is a plus</span></p>
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<p><span data-markdown-start-index="3082">You communicate clearly with both technical and non-technical partners</span></p>
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<h2><span data-markdown-start-index="3160">What we offer</span></h2>
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<p><span data-markdown-start-index="3206">Challenging, high-impact work to grow your career</span></p>
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<p><span data-markdown-start-index="3257">Performance driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching</span></p>
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<p><span data-markdown-start-index="3382">Top Tier benefits to fuel your work, including 100% paid health insurance for employees with 90% coverage for dependents</span></p>
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<p><span data-markdown-start-index="3504">Access to the best AI tools on the market and continuous AI skill-building for every employee, technical or not</span></p>
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<p><span data-markdown-start-index="3617">Lifestyle wallet - a highly flexible benefits spending account for wellness, learning, and more</span></p>
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<p><span data-markdown-start-index="3714">Employer-paid life &amp; disability insurance, fertility benefits, and mental health benefits</span></p>
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<p><span data-markdown-start-index="3805">Time off to recharge including company holidays, paid time off, sick time, parental leave, and more!</span></p>
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<p><span data-markdown-start-index="3907">Exceptional office experience with catered meals, events, and comfortable workspaces. </span></p>
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</div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><strong>In addition to the base pay range listed below, this role is also eligible for bonus opportunities + equity + benefits.</strong></p>
<p>Base pay for the successful applicant will depend on a variety of job-related factors, which may include education, training, experience, location, business needs, or market demands. The expected base pay range for this role is based on the location where the work will be performed and is aligned to one of 3 compensation zones. For other locations not listed, compensation can be discussed with your recruiter during the interview process.</p>
<p><span style="text-decoration: underline;">Base Pay Range:</span></p></div><div class="title">Zone 1 (Menlo Park, CA; New York, NY; Bellevue, WA; Washington, DC)</div><div class="pay-range"><span>$217,000</span><span class="divider">&mdash;</span><span>$255,000 USD</span></div></div><div class="pay-input"><div class="title">Zone 2 (Denver, CO; Westlake, TX; Chicago, IL)</div><div class="pay-range"><span>$191,000</span><span class="divider">&mdash;</span><span>$224,000 USD</span></div></div><div class="pay-input"><div class="title">Zone 3 (Lake Mary, FL; Clearwater, FL; Gainesville, FL)</div><div class="pay-range"><span>$170,000</span><span class="divider">&mdash;</span><span>$199,000 USD</span></div></div></div><div class="content-conclusion"><p>Click <a href="https://careers.robinhood.com/benefits" target="_blank">here</a> to learn more about our Total Rewards, which vary by region and entity.</p>
<p>If our mission energizes you and you’re ready to build the future of finance, we look forward to seeing your application.</p>
<p>Robinhood provides equal opportunity for all applicants, offers reasonable accommodations upon request, and complies with applicable equal employment and privacy laws. Inclusion is built into how we hire and work—welcoming different backgrounds, perspectives, and experiences so everyone can do their best. Please review the <a href="https://careers.robinhood.com/applicantprivacypolicy" target="_blank">Privacy Policy</a> for your country of application.</p></div>

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