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# Data Scientist II

- **Company:** ZIP, INC.
- **Location:** United States (Remote available)
- **Experience:** Expert
- **Salary:** $162,000.0 - $203,000.0
- **Contract:** Permanent contract
- **Skills:** Artificial Neural Networks, Python (Programming Language), Machine Learning, SQL Databases, Large Language Models, Apache Spark, Git, Pyspark, Information Technology, Software Version Control
- **Published:** October 29, 2026
- **Apply:** https://www.builtincolorado.com/job/senior-data-scientist-ii/11940189?handler=ApplyRedirect

## About the Role

* Advanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)
 * 5+ years of experience in Data Science (can include PhD work)
 * 2+ years of experience working with data relevant to Financial Services
 * Self-starter mentality with strong problem-solving and research skills; able to work independently to drive solutions
 * Solid grasp of the fundamentals of probability, statistics, and applied research methods
 * Experience working with cashflow data (e.g., Plaid, MX, Finicity) highly preferred
 * Proficiency in Python and SQL; hands-on experience with Spark/PySpark a plus
 * Experience with Neural Networks, LLMs, GenAI
 * Experience with credit and/or fraud risk a plus
 * Familiarity with version control systems such as Git
 * Ability to thrive in a fast-paced, multi-tasking environment

## Description

* Independently design, build, evaluate, and iterate on new AI/ML models leveraging bank transaction data to enable new product capabilities
 * Rapidly experiment, build, and iterate on solutions, providing realistic proofs of concept that can be tested and refined
 * Assist with test designs that produce the data necessary to build future versions of your models
 * Balance short-term business outcomes with longer-term experimental opportunities that drive overall value of the business
 * Leverage AI as a tool to increase productivity where they improve model quality, analytical efficiency, or product outcome
 * Build models that mitigate risk while driving profitable growth for the business
 * Work closely with the Data and Machine Learning Engineering teams for production considerations to ensure data availability and model scalability
 * Own assigned modeling solutions end-to-end, from model development through production monitoring
 * Communicate findings, recommendations, and tradeoffs with business stakeholders