Data Scientist

Perpay

Philadelphia, PA Onsite Only Nov 2
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We believe everyone should have access to a better financial future. Our team builds simple, transparent and inclusive products that transform borrowing behavior and improve financial outcomes. With our easy to use, all-in-one platform, we empower our 5 million members to achieve their goals, one paycheck at a time. Backed by First Round Capital and JP Morgan.

Our office inspires our talented team members to build life-changing products for our customers and have fun while doing it. We created a home away from home by designing a kitchen, living room, bar, and office space all-in-one.

Perpay is located in Center City, Philadelphia in a new, open floor plan, river-front office. A coffee bar sits at the heart of the office with espresso, drip coffee, cold brew and tea options. The rest of the office has comfortable, open seating including: sitting desks, standing desks, couches, lounge chairs, and kitchen booths & tables. We provide catered lunches and weekly groceries so team members can make breakfast or lunch, or just snack -we don’t judge. Join us as we transform the credit landscape!

How far we have come and where we are going:

  • 2017: Launched Perpay’s buy now, pay later marketplace of 1,000+ top brands
  • 2020: Launched Perpay+, allowing members to build credit by shopping with an average credit score increase of 35+ points
  • 2022: Building our next product, establishing Perpay as a household name for consumer finance

About the Role:

We are looking for someone with an insatiable level of curiosity and a passion for learning new skills and applying them to real world problems. The role of a Data Scientist at Perpay encompasses modeling and probabilistic analysis, building and maintaining the data science infrastructure, solution deployment, and communication with stakeholders. As a member of the Data Science group, you will be exposed to all aspects of the business, be it risk, marketing or commerce and provide impactful insights for decision making.

Responsibilities:

  • Perform advanced data analytics utilizing mathematics, probability, and statistics
  • Develop machine learning models and tooling for various business domains
  • Deploy models into continuous training architecture and perform maintenance on data science infrastructure
  • Present results and analyses to the companies leadership team
  • Provide mentorship to junior members
  • Act as a subject matter expert in the industry generally and Perpay specifically, establishing a solid foundation to be better positioned for long-term career success

What We Look For:

  • Bachelor's degree or higher in a quantitative/technical field (Mathematics, Statistics, Engineering, Chemistry, Physics)
  • Minimum three years work experience in related field required
  • High level of expertise in machine learning, mathematics, probability and statistics
  • Proficient with Python, preferred o Proficient using SQL for acquiring and transforming data (2+ years required)
  • Experience in building and maintaining cloud computing architectures, AWS Preferred
  • Knowledgable in modern Machine Learning deployment patterns
  • Excellent verbal and written communication skills with the ability to effectively advocate for technical solutions to engineering teams and business audiences

Nice to Haves:

  • Effective project management, problem solving, analytical and troubleshooting skills
  • Experience implementing machine learning solutions at scale
  • Natural curiosity and a desire to learn
  • Experience processing, filtering and presenting large quantities of data
  • Bonus: Strong knowledge and understanding of financial services

Hey, we know not everybody checks all the boxes, so if you’re interested, please apply because you could be just what we’re looking for!

Retirement & Stock Options Benefits
  • 401k with company contribution
  • Company Equity
Accessibility
  • Accessible Building
  • Accessible Work Environment
Perks & Discounts
  • Casual Dress
  • Cell Phone Reimbursement
  • Lunch Provided
  • Offsite Company Events
  • Snacks Provided
Health & Wellness
  • Dental Insurance
  • Gym Reimbursement/Discounts
  • Health Insurance
  • Vision Insurance
Parental Benefits
  • Family Medical Leave
  • Parental Leave
PTO/Flexibility
  • Flexible Work Schedule
  • Paid Holidays
  • Unlimited PTO
Other
  • Public Transportation Assistance
  • Relocation Assistance
Professional Development
  • Tuition Reimbursement
What’s unique about the Perpay brand? Perpay’s mission is to provide consumers with an easy way to make purchases, pay over time and build credit. It is dedicated to building simple, transparent and inclusive financial products that improve the lives of its customers. Perpay is working to solve broad issues of financial access and inclusion that affect a large number of people through the pathways of microlending, consumer finance and e-commerce. Its focus is purely on its customers.   What is the team dynamic within the office? As a high-growth company, Perpay fosters collaboration whenever possible. It does so by keeping its organizational structure cross-disciplinary and outcome-oriented. Anyone can have a conversation or introduce an idea at any time — there are no silos. Perpay also works to foster an entrepreneurial spirit at the individual level. First and foremost, it’s a product-focused company, and believes everyone on the team is a product contributor. Perpay is building tools that make an impact on so many people, and believes the best way to do that is to get input from every one of its team members — whether they’ve been on the team for three weeks or three years. Everyone’s perspective is important.   What qualities does Perpay look for in technical candidates? While most of its systems and microservices are written in Python, the company prefers talented polyglots that have an insatiable will to learn and create. At Perpay, they’re not afraid of trying new things and are more concerned with finding great problem solvers that will find the right tools for the job. The Perpay team is most interested in a candidate’s mentality and experience — especially if it is one of delivering solutions that are well designed, reliable and highly scalable. They work in a fast-paced startup environment where efficiency and iterative approaches are critical. This makes it extremely important to find candidates who communicate well and understand the theory, design patterns and implementation details that go into delivering a solution.   How about candidates overall? Perpay is looking for people who are naturally curious, self-directed and interested in self-improvement. Everyone on the team is eager to learn, excited about what they're working on and is doing their own research about the industry — like reading up on consumer credit and the greater microlending environment. One thing it values about its team is diversity of experience. Perpay has built a team with all kinds of different backgrounds: finance, engineering, operations, non-profit and even chemistry. Additionally, because of the work it does, candidates need to have a sense of empathy. A team member can be an amazing problem solver, but in order to be a good fit they need to keep a human element to everything they do. Data can certainly help find an answer, but empathy will often lead to deeper insights.