Data Scientist, Underwriting

At Parafin, we’re on a mission to grow small businesses. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. The underwriting team builds and relentlessly improves the systems that determine eligibility, sizing, and pricing for Parafin lending products.

Responsibilities

Own the full data-science lifecycle, from research to deployment, to power our underwriting engine; Design, train, and deploy production underwriting models; Design experiments and metrics to drive risk and pricing decisions; Partner with engineering and product teams to architect automated underwriting systems; Identify business opportunities to improve growth and profitability via improvements to our underwriting posture

Requirements

Statistical Reasoning: Approach data analysis with a critical, intellectually honest eye; Design concise metrics that guide decision making; Employ robust experimental design and causal inference methods; Develop valid and predictive machine learning models; Business Acumen: Identify and effectively prioritize business problems; Solve business problems using appropriate data science techniques; Anticipate the impact of your work on our financial performance, customers, and compliance obligations; Engineering Mindset: Write legible, reliable, and tested code; Build or source tools to boost the team’s efficiency; Architect technical systems that are highly scalable, reliable, and observable; Leadership and Collaboration: Model Parafin’s values of efficiency, intellectual honesty, accountability, and empathy; Build trusted relationships with stakeholders; Document work, seek feedback, and share learnings proactively; Focused Execution: Prioritize high-impact use of your time; Scope projects rigorously; Act with urgency

Nice to have

Enthusiasm; skepticism; respect for data; first-principles thinking; attention to detail; craftsmanship

Benefits

Equity grant; Medical, dental & vision insurance; Work from home flexibility; Unlimited PTO; Commuter benefits; Free lunches; Paid parental leave; 401(k); Employee assistance program