**To be considered for this position, candidates must be legally authorized to work in the United States on a full-time basis without the need for employer sponsorship now or in the future.

SavvyMoney is a leading San Francisco East Bay fintech company. We provide integrated credit score and personal finance solutions to 1,600 + 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.

We are seeking a Data Scientist with strong Machine Learning Engineering capabilities to lead initiatives in predictive modeling, personalization, and AI-driven financial recommendations.

This role goes beyond traditional model development. You will work on adapting and deploying base models, integrating LLMs and building scalable AI systems. The goal is to power personalized marketing, loan offers, credit improvement strategies, next-best-action recommendations, and intelligent analytics experiences. You will collaborate closely with product and business teams to ideate and partner with engineering to deploy models into scalable, low-latency production environments.

Responsibilities

Perform exploratory analysis to identify high-impact opportunities for AI-driven optimization and automation.
Design, build, fine-tune, and deploy machine learning models for:
- Marketing propensity modeling
- Personalized loan offers and recommendations
- Next-best-action and engagement optimization
- Credit improvement and financial health predictions
Adapt and fine-tune foundation models and LLMs for domain-specific use cases including recommendation engines, intelligent copilots, and conversational insights
Partner closely with engineering teams to productionize models with strong considerations for latency, monitoring, reliability, and cost efficiency.
Help engineering build reusable ML frameworks, feature pipelines, and experimentation infrastructure to accelerate AI innovation.
Contribute to experimentation design (A/B testing, uplift modeling, bandits) to measure real business impact.
Work cross-functionally with Product and Business stakeholders to translate AI capabilities into measurable outcomes.
Implement model monitoring, drift detection, and performance tracking to ensure long-term reliability.
Follow responsible AI practices, ensuring fairness, transparency, and appropriate governance.

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 $180,000 to $200,000 depending upon experience.

Additionally we provide

Equity Compensation Package
Flexible Time Off (FTO) - take time off as needed to rest and recharge.
Medical, Dental, Vision – 100% premium paid for employee
Disability/Life Insurance
Opportunity for learning and career growth with a top Bay Area technology company
Reimbursement for remote work setup
Monthly stipend for phone and internet
Team building events, culture activities, all hands events
Paid time off to volunteer and serve the community
Half day Fridays
401k matching contribution
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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