Staff Machine Learning Scientist (Fintech)

Location: Remote within the United States, except Hawaii; virtual-first work culture with occasional all-company in-person events once or twice a year.

Salary: $208K–$269K annually, plus equity.

Company

hirify.global is a financial technology company building affordable, transparent, and user-focused financial products for Americans who are underserved by traditional financial institutions.

What you will do

• Shape modeling strategy across underwriting, collections, fraud, marketing, and growth, including architecture, shared infrastructure, and investment priorities.
• Establish model governance standards for validation, monitoring, risk classification, documentation, change management, and independent review.
• Build and improve credit models for underwriting, collections, and settlement strategies while balancing portfolio performance, profitability, and member outcomes.
• Partner with Legal, Compliance, Risk, and sponsor-bank stakeholders to translate regulatory requirements into measurable responsible-modeling controls.
• Advance business measurement through metrics, experimentation, causal inference, and incrementality analysis.
• Develop AI-assisted modeling workflows and mentor scientists to improve efficiency, evaluation quality, and consistency.

Requirements

• 8+ years of experience building production machine learning solutions, including technical leadership at staff or principal scope.
• Strong experience with consumer credit modeling, portfolio economics, and risk-based decision systems, ideally in fintech or consumer lending.
• Experience with model validation, model risk management, or independent review in regulated environments, including fair-lending and adverse-action considerations.
• Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark.
• Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies.
• Ability to influence technical direction and communicate complex trade-offs across senior stakeholders.
• Practical experience using AI tools throughout the modeling lifecycle and sound judgment when evaluating outputs.
• Bachelor’s, master’s, or doctoral degree in a quantitative field, or equivalent experience.

Nice to have

• Experience evaluating or governing generative AI applications, including model guardrails and monitoring.

Culture & Benefits

• Member-centric, helpful, transparent, persistent, and collaborative working culture.
• Flexible hours, virtual-first work, and a home office stipend.
• Premium medical, dental, and vision insurance.
• Paid parental and caregiver leave, flexible PTO, company holidays, Juneteenth, and Winter Break.
• 401(k) savings plan with matching contributions, financial advisor support, and financial wellness resources.
• Opportunities for learning, growth, and participation in in-person and virtual company events.