{"id":2687603,"url":"https://alion.io/job/bright-money-data-science-iii","title":"Data Science III","company":{"id":3330,"name":"Bright Money","domain":"brightmoney.co","url":"https://alion.io/company/bright-money","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Kula","truth_index":null},"role":"Data Science","role_family":"Data Science","seniority":"middle","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bengaluru, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":16000,"max_usd":39000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":16},"experience_years_min":4,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"AI Agents","optional":false},{"name":"CI/CD","optional":false},{"name":"Python","optional":false},{"name":"Scikit-learn","optional":false},{"name":"Spark","optional":false},{"name":"SQL","optional":false},{"name":"Machine Learning","optional":true}],"status":"live","first_seen_at":"2026-10-15T08:05:03Z","employer_posted_date":"2026-10-15","last_verified_at":"2026-10-17T18:18:38Z","board_verified":true,"closed_at":null,"days_open":2,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":2},"description":"About Bright Money\nBright Money is a Consumer FinTech for middle-income consumers. It brings together SaaS products to help consumers build credit, manage their debt, and get access to suitable loans and credit cards. These are the major financial needs of middle-income consumers living paycheck-to-paycheck.\nBright is a profitable, India-built, U.S.-market Consumer FinTech, with revenue trajectory to $100M in the coming 6 months. The business model combines subscription revenue with a financial service marketplace revenues, for loans, credit cards, and credit building tools.\nBright has launched an AI money assistant and AI agentic UX flows for access to credit. It will be the first AI-driven Consumer FinTech for middle-income consumers.\nThe Bright product suite has potential for global markets beyond the US. The market size is 100M global middle-income consumers, with a revenue pool opportunity of $15B.\nBright is backed by 3 top global venture capital firms, and leading tech angel investors in the USA, Europe, and Asia.\nBright was founded in 2019 by a founding team from McKinsey’s Banking Practice (Petko Plachkov and Avi Patchava) and InMobi Data Scientists (Varun Modi and Avi Patchava). The core team is ex-InMobi Engineering and Data Sciences, recently joined by senior leaders from McKinsey. Bright is a data-driven, fast-paced execution culture that will build a Global Consumer FinTech, all functions operating from India.\nWhat is the team & role about?\nThe Data Scientist - Level 3 is responsible for leading predictive modelling and experimentation to drive key business metrics around risk and impact. The role combines hands-on modelling, AI agents/ML systems development, and stakeholder collaboration to turn complex data into actionable strategies. This is an IC role while mentoring juniors.\nWhat you will do?\nOwn end-to-end predictive modelling initiatives for business-critical metrics related to risk, impact, and growth, including problem framing, data strategy, modelling, and deployment.\nDesign and execute segmentation, underwriting, and matching algorithms to improve customer targeting, pricing, and decision automation.\n\nLead experimentation and post-modelling evaluation, including A/B tests, back-tests, and lift analyses, ensuring robust, statistically sound results.\n\nBuild, train, and iteratively improve ML models (supervised, unsupervised, and forecasting) using modern libraries and MLOps practices.\n\nDevelop and train AI agents or decisioning systems that integrate with products and workflows to automate and optimize business processes.\n\nTranslate ambiguous business or product problems into clear analytical problem statements, hypotheses, and measurable success metrics.\n\nPartner with product, engineering, risk, and operations to embed models into production systems and monitor performance over time.\n\nCommunicate insights, trade-offs, and recommendations clearly to senior stakeholders through dashboards, presentations, and concise written summaries.\n\nMentor junior data scientists and analysts, promoting best practices in experimentation, coding standards, and model governance.\n\nStrong fundamentals in statistics and probability with demonstrated experience in mathematical and statistical modelling for real-world problems.\n\nProven ability to build and design ML algorithms, including feature engineering, model selection, hyper-parameter tuning, and performance optimization.\n\nHands-on implementation skills with basic understanding of software/Data engineering concepts (version control, testing, modular code, CI/CD for models).\n\nExpertise in Python (or similar), SQL, and modern data science tooling (e.g., Jupyter, pandas, scikit-learn; exposure to Spark or cloud platforms is a plus).\n\nExperience with segmentation, matching, recommendation, or risk/underwriting models in production environments Ability to independently research, evaluate, and apply state-of-the-art statistical/ML/AI techniques to new problem domains.\n\nStrong business problem translation skills: comfort working with incomplete information and iteratively refining scope with stakeholders.\n\nExcellent communication skills with the ability to present complex analyses simply and persuasively to technical and non-technical audiences.\n\nIdeal candidate profile looks like?’\n4-7 years of relevant experience in data science, machine learning, predictive modeling, or applied statistics, with a track record of owning high-impact projects end-to-end.\n\nMaster’s degree (or higher) in Statistics, Mathematics, Computer Science, Engineering, or a related quantitative discipline, or a related quantitative discipline from a Tier-1 institution.\n\nPrior experience in a Data Scientist role or equivalent responsibility in a high-growth or product-led organization.\n\nStrong foundations in statistics and probability, with hands-on experience applying mathematical and statistical modeling to real-world business problems.\n\nProven experience designing and building machine learning models, including feature engineering, model selection, hyperparameter tuning, validation, and performance optimization.\n\nStrong proficiency in Python, SQL, and modern data science tools such as Jupyter, pandas, and scikit-learn. Exposure to Spark, cloud platforms, or MLOps tools would be an advantage.\n\nExperience developing and deploying segmentation, matching, recommendation, risk, or underwriting models in production environments.\n\nWorking knowledge of software and data engineering practices, including version control, testing, modular coding, model deployment, and CI/CD.\n\nAbility to independently research, evaluate, and apply emerging statistical, machine learning, and AI techniques to new problem areas.\n\nStrong business problem-solving skills, with the ability to work with incomplete information and translate ambiguous business requirements into measurable analytical problems.\n\nExcellent communication and stakeholder-management skills, with the ability to present complex analyses and recommendations clearly to technical and non-technical audiences.\n\nAbility to mentor junior data scientists and analysts while continuing to operate as a hands-on individual contributor.\n\nWhat Bright Offers?\nA profitable sub-unicorn with U.S. market scale - liquidity potential at $1-3B valuations.\n\nReal ownership: You run your own BU with an independent P&L.\n\nWealth creation: Equity at an inflection stage of scale.\n\nA data-driven, high-cadence culture that combines consulting rigor with FinTech speed.","description_format":"text","description_chars":6519,"description_truncated":false,"requirements":{"experience_years_min":4,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[]},"benefits":["Equity"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Personal Finance Apps & Education","Financial AI"],"lifecycle":[{"event":"open","at":"2026-10-16T08:05:03Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":1,"expected_fill_days":21,"reasons":["conf:0","velocity","win:early"],"computed_at":"2026-10-17T05:46:00Z"},"pay":null,"html_url":"https://alion.io/job/bright-money-data-science-iii","json_url":"https://alion.io/job/bright-money-data-science-iii.json","meta":{"generated_at":"2026-10-17T21:06:16Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":5487,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-18T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":3330},"rest":"https://alion.io/mcp/rest/get_company?id=3330"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fbright-money-data-science-iii"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fbright-money-data-science-iii"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fbright-money-data-science-iii"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/bright-money-data-science-iii\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fbright-money-data-science-iii"}]}