Full-Time
Lead Data Scientist
Brigit
51-200 employees
Financial health tools for everyday Americans
Compensation Overview
$185k - $225k/yr
San Francisco, CA, USA
Hybrid
Hybrid work in San Francisco.
Master's
 Data & Analytics (1) |
|---|
Get referred to Brigit
See people who can refer or advise you
- Six or more years of experience doing data science, including modeling and analysis.
- An advanced degree in data science, statistics, computer science, or a related field.
- Proven expertise in machine learning principles and techniques.
- Experience using Python and industry-standard modeling toolkits such as scikit-learn, JupyterLab, pandas, matplotlib, and statsmodels.
- Experience writing complex SQL queries and combining multiple data sources.
- Experience creating training datasets, training models, tuning hyperparameters, performing validation, running production A/B tests, and creating and owning performance and model monitoring.
- Experience building classification and prediction models, testing them in a startup environment, and iterating to improve them.
- Ability to work effectively and communicate ideas and code clearly in a cross-functional team environment involving Engineering, Product, and Business teams.
- Experience building end-to-end data science solutions from ideation through deployment and A/B testing.
- Strong written and verbal communication skills, including the ability to explain complex concepts to varied audiences.
- Build, test, and roll out new underwriting and risk models to better predict risk.
- Own the full modeling lifecycle from conception through production.
- Build, test, and roll out new or improved models related to fraud and payments.
- Contribute to best practices for feature development, model training, and model testing and monitoring.
- Analyze changes in the customer base as the company grows and identify areas for improvement.
- Help existing engineering and business teams achieve cross-functional goals.
- Mentor junior or aspiring data scientists across the data team.
Brigit provides transparent financial services aimed at improving the financial health of everyday Americans. It offers simple, fair products designed to help users manage money, avoid unfair fees, and stay financially stable. The company’s tools and services focus on guiding spending and financial decisions, with revenue driven by products that return value to members. Brigit distinguishes itself through a customer-aligned model that emphasizes fairness and clarity, backed by a team with experience from Amazon, Deutsche Bank, Palantir, and Two Sigma, and recognition from Fast Company and Forbes. The overarching goal is to help people achieve better financial health and security by offering clear, accessible financial options.
Company Size
51-200
Company Stage
Acquired
Total Funding
$110M
Headquarters
New York City, New York
Founded
2017
Get referred to Brigit
See people who can refer or advise you
Simplify's Take
What believers are saying
- Q2 2026 revenue grew 37% to $71.1 million, with 1.72 million paying subscribers.
- Brigit's May 2026 Experian partnership opens an embedded distribution channel beyond direct acquisition.
- Upbound says Brigit's 2026 revenue should reach $265 million to $285 million, above 30% growth.
What critics are saying
- Minnesota sued Brigit June 10, 2026, alleging unlawful payday lending and 700% APRs.
- FTC refunds in 2024 exposed deceptive instant-cash marketing and cancellation friction.
- If courts reclassify Brigit advances as loans, multi-state EWA regulation kills the product model.
What makes Brigit unique
- Brigit built cash-flow underwriting and earned-wage access, now embedded inside Experian Money Plus.
- Upbound completed Brigit acquisition January 31, 2025, giving it scale and distribution leverage.
- Brigit monetizes subscriptions, expedited transfers, and marketplace offers, not just interchange or ads.
Help us improve and share your feedback! Did you find this helpful?
Benefits
Medical benefits
Generous PTO
Paid parental leave
Phone/wifi stipend
401k
Snacks & more
Growth & Insights and Company News
6 month growth
↑ 5%1 year growth
↑ 2%2 year growth
↑ 3%Upbound Group reported second-quarter 2026 results showing modest consolidated revenue growth of 0.5% to $1.16 billion, but performance varied sharply across its business segments. Adjusted EBITDA fell 4.6% to $127 million as weaker consumer demand and higher costs pressured the lease-to-own operations. Brigit delivered the strongest growth, with revenues rising 37.1% to $71.1 million and paying subscribers climbing 30.2% to 1.72 million. The segment achieved a 16.6% adjusted EBITDA margin. Acima improved profitability despite lower volumes. Rent-A-Center posted positive same-store sales without meaningful segment expansion. Management reaffirmed its adjusted EBITDA and earnings guidance for 2026 but narrowed the revenue outlook. Brigit's multiyear partnership with Experian adds a new distribution channel for its earned-wage-access product.
Minnesota AG sues Brigit over alleged payday loans. Posted: July 3, 2026 Experts share their tips and advice on BadCredit.org, with the goal of helping subprime consumers. Its articles follow strict editorial guidelines. Key takeaways. Minnesota Attorney General Keith Ellison has filed a lawsuit alleging personal finance app Brigit violated the state's payday lending laws. Ellison alleges that Brigit is an unlicensed, unregistered small-loan and short-term lender making online variations of payday loans to Minnesota consumers. The state alleges that the annual percentage rates Minnesota consumers pay on Brigit advances regularly exceed 300%, with some exceeding 700%. Ellison also says that Brigit does not disclose these high borrowing rates to consumers. In Minnesota, state law caps the annual percentage rate that consumer short-term loan lenders may charge at 50%. Ellison's office alleges Brigit has issued tens of thousands of small, short-term advances to Minnesota consumers without complying with Minnesota lending laws. Brigit pushes back on claims. BadCredit reached out to Upbound Group, which completed its acquisition of Brigit in January 2025, and received the following comments from Farah Remtulla, Chief Operating Officer at Brigit. Brigit has more than 1 million active, paying subscribers and almost 1 million free subscribers, according to an Upbound Group press release. "The Attorney General's lawsuit mischaracterizes Brigit's earned wage access product as a payday loan, and if successful, would cut off tens of thousands of Minnesotans from a safe, affordable alternative to overdraft fees, payday lenders, and high-interest credit cards," Remtulla told Minafi. "Brigit has operated in Minnesota for years, serving thousands of customers, with only a handful of complaints - a track record that speaks for itself," she said. "Brigit will defend this product, and the working Minnesotans who rely on it, vigorously." - Farah Remtulla, Chief Operating Officer at Brigit Twelve states now have laws in place to regulate EWA with 19 other states with legislation pending. The Brigit team explained its product this way. "Brigit's product is free to use," Remtulla said. "Brigit charges no interest, no late fees, and no penalties if a customer cannot repay the earned wage access transaction." Remtulla's comment referred to the earned wage access transaction, while Brigit also operates paid and free subscription tiers. Remtulla said the company plans to fight the lawsuit. "Brigit will defend this product, and the working Minnesotans who rely on it, vigorously," Remtulla told Minafi. Minnesota says it's holding Brigit accountable. "As Attorney General, it's my job to protect consumers from businesses that try to evade the law and take advantage of people who take desperate measures to afford their lives," Ellison said. "Regardless of how Brigit markets itself, the advances it offers consumers in need of cash are clearly loans." He added that Minnesota lawmakers have already chosen to regulate lenders like Brigit. "The legislature has wisely chosen to regulate lenders like Brigit carefully to keep short-term borrowers from being exploited and falling even further into debt," Ellison said. "To operate in Minnesota, Brigit needs to comply with these laws when advancing funds for profit, as all payday lenders do. I'm bringing this lawsuit because it's my job to protect consumers and enforce the law to protect consumers." Brigit previously settled FTC claims over its app. The Federal Trade Commission sued Brigit in 2023, alleging the company deceptively promised "instant" cash advances of up to $250 to people living paycheck to paycheck. The FTC also alleged that Brigit locked consumers into a $9.99 monthly membership that they said was difficult to cancel. Brigit agreed to settle the charges and pay $18 million in consumer refunds, according to a proposed court order. In November 2024, the FTC sent more than $17 million in refunds to Brigit customers. Minnesota says advances should be treated like loans. Brigit offers an app where consumers can access earned wage advances. But Ellison contends that Brigit speaks about these advances and treats them as loans. Here are five examples he offered in a press release: * Ellison alleges Brigit requires consumers to preauthorize deductions from their accounts for the advance amount plus any fees at a future date. * Ellison contends Brigit does not disclose in its app that repayment of the advance is voluntary. * There is no cancel mechanism in the Brigit app or disclosure of how a consumer may cancel a payment. * Brigit offers consumers extension credits, and consumers may only use them a specified number of times. * When Brigit customers reach out to customer service, which is necessary for canceling, the company's responses reinforce the belief that the loan must be repaid. Because Ellison says these advances function as payday loans, his office argues Brigit must comply with Minnesota laws governing those products. For now, the lawsuit targets Brigit. But the outcome could matter for the broader EWA business Senior Credit Writer Lucy Lazarony is a veteran financial journalist with nearly 30 years of experience covering credit, credit cards, and consumer finance. Widely recognized for her ability to demystify complex financial topics, Lucy has established herself as a trusted authority in the credit space. She previously served for seven years as a staff writer at Bankrate.com, where she contributed in-depth reporting, trend analysis, and consumer-focused guidance on credit cards and lending products. Her work has since appeared in top-tier publications, including Investopedia, Next Avenue, the National Endowment for Financial Education (NEFE), and Credit.com, reinforcing her reputation as a leading voice in personal finance journalism. Lucy holds a bachelor's degree in journalism from the University of Florida, where she developed the investigative and reporting skills that continue to shape her career. Her excellence in storytelling has been recognized by the Florida Press Club, earning awards for Education Reporting (2016) and Arts News Reporting (2015). Across her career, Lucy has helped millions of readers make informed financial decisions, offering clarity on credit scoring, responsible credit card use, debt management, and consumer rights. Her work remains a cornerstone resource for individuals seeking transparent, accurate, and actionable financial information.
Minnesota AG sues cash advance app Brigit over alleged breach of state lending laws. * Bill Lukitsch, The Minnesota Star Tribune * Jun 11, 2026 The app-based cash advance business Brigit is in the state's crosshairs over small loans that officials say carry super-sized interest rates of more than 700% in some cases. Minnesota Attorney General Keith Ellison sued the company on Wednesday, saying the loans violate the state's caps on interest rates and carry terms that are not clearly disclosed to consumers. He said Brigit - officially Bridge It Inc. - needs to follow the same laws as any payday lender and not "take advantage of people who take desperate measures to afford their lives." Brigit Chief Operating Officer Fara Remtulla said Ellison is mischaracterizing the company's earned wage access product as a payday loan. "Brigit has operated in Minnesota for years, serving thousands of customers, with only a handful of complaints - a track record that speaks for itself," Remtulla said in a statement. "Brigit will defend this product, and the working Minnesotans who rely on it, vigorously." Brigit offers its products through a cellphone app. Users choose between repayment terms for its "Instant Cash" option through a tiered subscription model, between $8.99 and $15.99 per month. Those without the premium version pay "delivery" fees between $0.99 and $5.99 to process a transaction instantly. Available cash advances run between $25 and $500. Brigit advertises its service as a way to get cash quickly and easily while building credit and improving finances. Brigit says its loans carry 0% interest. But according to the state's lawsuit, annual percentage rates on the small-dollar loans regularly tally above 300%, with some above 700%. These "extremely high rates of borrowing" are not disclosed to consumers, the attorney general alleges. Remtulla said several other states, including Wisconsin and Indiana, have passed laws to distinguish "Earned Wage Access" from payday lending. In Wisconsin's, for example, providers operate under a separate regulatory framework on fees and mandatory consumer disclosures. Remtulla said Brigit is a "safe, affordable alternative" for Minnesotans to access money rather than overdrawing accounts or maxing out credit cards. Brigit has said payday lending laws don't apply to its conduct because the company does not sue borrowers for nonpayment, making repayment effectively "voluntary," according to the lawsuit. The company also does not report its cash advances to the major credit bureaus. Ellison rejected the idea that the loans fall outside the bounds of current regulatory requirements. "Regardless of how Brigit markets itself, the advances it offers consumers in need of cash are clearly loans," Ellison said in a statement. Brigit is owned by Plano, Texas-based Upbound Group Inc., a publicly traded holding company. Other brands in its portfolio include reverse layaway businesses Home Choice, Get It Now! and Rent-A-Center, which offer financing for products like furniture, appliances and televisions. Lauren Saunders, a senior attorney with the National Consumer Law Center, said a number of financial technology firms have emerged in the payday lending space that are detrimental for individuals. A common defense made by the lenders is that the cash advances are not actually loans or that their fees do not amount to interest and finance charges, she said, though that theory has been rejected in 14 different cases nationally. Saunders said the services exploit people who are struggling or living from paycheck to paycheck, and many become trapped in debt. Effective interest rates of 700% are common across the industry, Saunders said, as the loans tend to be small and last only a few days. She said the payday loan industry has "a long history" of sidestepping laws, and the newer fintech companies have taken to evading them and impacting consumers even more aggressively. "It's a far more vicious cycle of reborrowing than traditional payday loans," she said. 7 remaining of 8. Welcome! We hope that you enjoy our free content.
Attorney General Ellison sues to stop unlawful app-based lending. Jun 11, 2026 June 2, 2026 (SAINT PAUL) - Minnesota Attorney General Keith Ellison today filed a lawsuit against Bridge It, Inc., doing business as Brigit, for Brigit's violations of Minnesota's payday lending laws. AG Ellison alleges that Brigit is an unlicensed, unregistered, consumer small-loan and consumer short-term lender making a modern, online variation of payday loans. Brigit has issued tens of thousands of small and short-term loans to Minnesotans without complying with the requirements the Minnesota Legislature has created for those making certain types of loans. Annual percentage rates Minnesotans pay on Brigit loans regularly exceed 300%, with some exceeding 700%. Nowhere does Brigit disclose these extremely high rates of borrowing to the consumer. State law caps the annual percentage rate that consumer short-term loan lenders may charge at 50%. "As Attorney General, it's my job to protect consumers from businesses that try to evade the law and take advantage of people who take desperate measures to afford their lives," Attorney General Ellison said. "Regardless of how Brigit markets itself, the advances it offers consumers in need of cash are clearly loans. The legislature has wisely chosen to regulate lenders like Brigit carefully to keep short-term borrowers from being exploited and falling even further into debt. To operate in Minnesota, Brigit needs to comply with these laws when advancing funds for profit, as all payday lenders do. I'm bringing this lawsuit because it's my job to protect consumers and enforce the law to protect consumers." Brigit offers an app where consumers take out what it and others in the fintech industry call "earned wage advances." For such lending, companies advance money to consumers that meet specified criteria, including that consumers must be able to demonstrate recurring deposits to their bank accounts. Brigit calls its loans "Instant Cash" advances and claims that Minnesota's payday lending laws do not apply because its terms and conditions indicate that consumers may choose not to repay these advances. However, as Attorney General Ellison's lawsuit documents, Brigit's advances are loans by any common-sense understanding. Brigit speaks about them like loans and takes numerous steps to ensure that consumers repay them as loans. - First, in order to make the loan, Brigit requires a consumer to preauthorize Brigit to deduct the loaned amount - plus any incurred fees - from the consumer's account at a future repayment date. - Second, Brigit does not disclose anywhere in the normal flow of its app that repayment is "voluntary." - Third, Brigit does not offer an entirely in-app cancellation mechanism or even disclose within the app how a consumer may cancel or choose not to repay. - Fourth, Brigit offers consumers "extension credits," strongly suggesting that it costs the consumer something to extend the repayment date, and consumers may only do so a specified number of times. - Fifth, when consumers do reach out to customer service, as they must do to cancel, Brigit's responses often reinforce the belief that the loan must be repaid. Taken together, Brigit's actions confirm that these "earned wage advances" are nothing more than payday loans disguised to try to circumvent Minnesota's laws. Businesses like Brigit that operate in Minnesota and make loans to Minnesotans must comply with Minnesota law, including Minnesota's robust payday-lending laws that place caps on the interest and fees that can be charged and require important disclosures, among other requirements. These are important laws that protect borrowers facing financial difficulty from being exploited and sinking further into debt traps and poverty. Attorney General Ellison encourages Minnesotans to submit complaints about Brigit or other earned-wage advance lenders by filing a complaint with the Attorney General's Office via its online complaint form. The Office can also be reached by phone at (651) 296-3353 or (800) 657-3787.
Upbound Group (NASDAQ: UPBD) has acquired Brigit, expanding its customer base to approximately 4 million active users, including over 1 million paying subscribers. The acquisition enhances Upbound's platform with Brigit's digital solutions like earned wage access and credit building products. Brigit's cash flow underwriting technology will improve risk management and fraud prevention for Upbound's brands. Brigit co-founders Zuben Mathews and Hamel Kothari will continue to lead the Brigit team.