{"id":3406721,"url":"https://alion.io/job/zip-senior-data-scientist-ii","title":"Senior Data Scientist II","company":{"id":3503,"name":"Zip","domain":"zip.co","url":"https://alion.io/company/zip","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":null,"truth_index":null},"role":"Data Science","role_family":"Data Science","seniority":"senior","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"inferred","locations":[],"countries":[],"hiring_countries":["US"],"hiring_countries_total":1,"salary":{"min":162000,"max":203000,"currency":"USD","period":"year","gross":null,"usd_annual":203000},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Git","optional":false},{"name":"Machine Learning","optional":false},{"name":"pySpark","optional":false},{"name":"Python","optional":false},{"name":"Spark","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-28T16:28:17Z","employer_posted_date":null,"last_verified_at":"2026-10-28T16:28:17Z","board_verified":false,"closed_at":null,"days_open":0,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":0},"description":"This a Full Remote job, the offer is available from: United States\nOwn the development of advanced modeling solutions that enable Zip’s next generation of financial products, leveraging rich data sources such as bank transaction data to unlock new product capabilities while strengthening the core business.\nBring deep data science, applied research, and financial services expertise to develop and experiment with innovative modeling approaches-including traditional machine learning, algorithmic solutions, and AI-centric techniques-that balance risk, profitable growth, and long-term product opportunity.\nRemote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office \nStart your adventure with Zip\nAs a Senior Data Scientist II, you will leverage your creative and critical thinking skills to develop best-in-class models that push the product and analytical capabilities at Zip. Leveraging new rich data sources, you will build the first generation of models enabling new product capabilities. Along the way, you will also build foundational models that enhance the core business. This work will encompass traditional ML, algorithmic solutions, and AI-centric techniques that drive real business impact. You are self-driven, intellectually curious, and comfortable iterating on simple solutions that are informed by experimental results.\nInteresting problems you’ll get to solve\nIndependently design, build, evaluate, and iterate on new AI/ML models leveraging bank transaction data to enable new product capabilities\nRapidly experiment, build, and iterate on solutions, providing realistic proofs of concept that can be tested and refined\nAssist with test designs that produce the data necessary to build future versions of your models\nBalance short-term business outcomes with longer-term experimental opportunities that drive overall value of the business\nLeverage AI as a tool to increase productivity where they improve model quality, analytical efficiency, or product outcome \nBuild models that mitigate risk while driving profitable growth for the business\nWork closely with the Data and Machine Learning Engineering teams for production considerations to ensure data availability and model scalability\nOwn assigned modeling solutions end-to-end, from model development through production monitoring\nCommunicate findings, recommendations, and tradeoffs with business stakeholders\nWhat you’ll bring to the team\nAdvanced degree (PhD preferred) in a quantitative field (e.g., Mathematics, Physics, Social Science, Computer Science)\n5+ years of experience in Data Science (can include PhD work)\n2+ years of experience working with data relevant to Financial Services\nSelf-starter mentality with strong problem-solving and research skills; able to work independently to drive solutions\nSolid grasp of the fundamentals of probability, statistics, and applied research methods\nExperience working with cashflow data (e.g., Plaid, MX, Finicity) highly preferred\nProficiency in Python and SQL; hands-on experience with Spark/PySpark a plus \nExperience with Neural Networks, LLMs, GenAI \nExperience with credit and/or fraud risk a plus\nFamiliarity with version control systems such as Git\nAbility to thrive in a fast-paced, multi-tasking environment\nWhat you’ll get in return\nZip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.\nWe want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.\nWe think these are just some of the best things about being a Zipster. We will also offer you:\nFlexible working culture\nIncentive programs\nUnlimited PTO\nGenerous paid parental leave\nLeading family support policies\nCompany-sponsored 401k match\nLearning and wellness subscription stipend\nBeautiful Union Square office with a casual dress code\nIndustry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available\nZip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.\nThe annual base Pay Range for this position is $162,000 - $203,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.\nSubject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.\n\n*Please note that visa sponsorship is not available for this position.\n\nIf hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.\nBe a part of a team that reflects the diversity of our customers\nWe pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.\nEqually, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.\nAnd finally…get to know us\nZip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.\nOperating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.\nI acknowledge by clicking \"Submit Application\", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our \n\nZip Applicant and Candidate Privacy Notice\n\n and authorize Zip to process your data subject to those terms. \nZip participates in the federal government’s E-Verify program. #LI-Remote","description_format":"text","description_chars":6999,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"phd","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Flexible schedule","Parental leave","Unlimited PTO"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-10-28T16:28:17Z"}],"visa":[],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.86,"p_room":1,"age_days":0,"expected_fill_days":29,"reasons":["seen:0","win:early"],"computed_at":"2026-10-29T05:49:05Z"},"pay":{"stated_usd_annual":203000,"is_top_pay":true},"html_url":"https://alion.io/job/zip-senior-data-scientist-ii","json_url":"https://alion.io/job/zip-senior-data-scientist-ii.json","meta":{"generated_at":"2026-10-29T07:57:46Z","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":12162,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-30T00:00:00Z"}},"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":3503},"rest":"https://alion.io/mcp/rest/get_company?id=3503"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fzip-senior-data-scientist-ii"},{"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%2Fzip-senior-data-scientist-ii"},{"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%2Fzip-senior-data-scientist-ii"},{"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/zip-senior-data-scientist-ii\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fzip-senior-data-scientist-ii"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3406721}},{"tool":"search_jobs","arguments":{"company":"zip.co","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3406721},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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