Senior Data Scientist, Banking

Current is a leading U.S. fintech serving people who have been overlooked by traditional banks and one of the fastest growing companies with nearly 4 million members. Headquartered in NYC, our results-driven environment enables us to build better products, grow faster, and empower everyone on our team to have an impact on our business and our mission to improve financial outcomes for our members.

ABOUT THE ROLE

At Current, data is at the core of everything we do. As a Senior Data Scientist on the Banking team, you will focus on machine learning modeling, leveraging data to build predictive models that enhance our credit and liquidity products, improve customer experience, and grow revenue. You will work on solving complex problems with a hands-on approach, developing and deploying machine learning models, and contributing to data-driven decision-making. 

Your day-to-day will include analyzing, preparing and structuring data, building and optimizing predictive models, and collaborating with cross-functional teams to integrate machine learning solutions into banking products and processes.

RESPONSIBILITIES

• Design, develop, and deploy predictive classification and regression models, anomaly detection models and algorithms for credit risk assessment, building underwriting policies and other use cases.
• Conduct extensive EDA, feature engineering and data preprocessing to ensure high-quality input for ML models.
• Collaborate with product, engineering, and business teams to integrate predictive models into workflows.
• Evaluate and optimize model performance using statistical and ML techniques.
• Conduct exploratory data analysis to identify patterns and insights that inform model development.
• Design and execute A/B tests to measure and validate model impact.
• Implement model governance techniques and build model monitoring dashboards.
• Develop and implement model monitoring dashboards and model governance techniques.
• Work with analytics and data engineering teams to ensure efficient data pipelines and model deployment.
• Analyze diverse datasets to extract meaningful insights and patterns, identifying actionable opportunities for optimization and innovation.

ABOUT YOU

• 5+ years of experience in data science with a strong emphasis on machine learning modeling.
• Proficiency in Python for data analysis and ML, with experience using libraries such as Scikit-Learn, XGBoost, TensorFlow, or PyTorch.
• Expertise in SQL and working with large, complex structured and semi-structured datasets.
• Strong understanding of machine learning techniques, including logistic regression, gradient boosting, decision trees, and clustering methods.
• Experience in feature engineering, model selection, and performance optimization.
• Experienced in designing, executing, analyzing and reading out experiments.
• Strong communication skills and ability to present findings to technical and non-technical stakeholders.
• Master’s or higher degree in Data Science, Computer Science, Statistics, or a related field is preferred.

Preferred Skills & Qualifications

• Experience working in fintech, e-commerce, or other data-rich consumer-facing industries is a plus.
• Familiarity with Google Cloud Platform services, particularly VertexAI and Dataflow, for scalable data processing and model training.
• Experience using Scala programming language for developing scalable and efficient data pipelines.
• Experience with dbt for data modeling.
• Familiarity with BigQuery or other MPP databases.

This role has a base salary range of $180,000 - $220,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

BENEFITS

• Competitive salary
• Stock options
• 401(k) savings plan
• Discretionary performance bonus program
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents
• Unlimited time off and paid holidays
• Generous parental leave policy
• Commuter benefits
• Healthcare and Dependent care FSA benefit
• Employee Assistance Programs focused on mental health
• Healthcare advocacy program for all employees
• Access to mental health apps
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches