Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us.

Role overview: Senior Data Scientist (Machine Learning) responsible for developing innovative models that affect millions of users in the fintech space. You will work with experienced Machine Learning Scientists and collaborate with peers on problems in fraud detection, risk modeling, personalization, operations, and causal inference.

Varo's Data Science Team develops Machine Learning models to help people access funds, protect customers from fraud, and transform the in-app experience with Real Time recommendations. Data science is central here, with a focus on impactful problems from day one. The team relies on advanced techniques in machine learning, cloud platforms, and data technology. We are a team of PhDs and ex-academics with a collegial work atmosphere. If you are interested in joining a high-caliber team of data professionals who collaborate and challenge each other, apply now!

• Develop production-grade ML algorithms (eg, fraud detection, recommender systems, dynamic credit risk models, large-scale causal inference) and establish monitoring and analysis processes for model performance
• Leverage large data sets from diverse sources and apply modern modeling techniques (tree-based methods, neural networks, reinforcement learning) to improve customer experiences, acquisition, underwriting, and other business outcomes
• Collaborate with stakeholders across the organization to identify opportunities for driving business decisions or improving the product with ML
• Work with the engineering team to deploy models and monitor outcomes

• An advanced degree in a quantitative field (computer science, engineering, statistics, operations research, economics, etc.)
• 4+ years of experience as a Data Scientist, ML Scientist, or Research Scientist as an individual contributor (including relevant PhD research)
• Experience applying a wide range of statistical techniques to large data sets and understanding their real-world advantages and drawbacks
• Proficiency in Python for analysis, modeling, and visualization (numpy, pandas, scikit-learn, nltk, matplotlib, etc.)
• Ability to thrive in a fast-paced environment
• Strong bias for action and team player
• Preferred: Familiarity with Sagemaker, Spark, TensorFlow, Keras, and PyTorch

We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you!

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer.

As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. We aim to address a broad range of consumer needs while profitably serving underserved communities historically excluded from the traditional financial system.

We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues across the country. We have been recognized among Fast Company's Most Innovative Companies, Forbes' Fintech 50, and earned the No. 7 spot on Inc. 5000's list of fastest-growing companies.

Varo. A bank for all of us.

• Customers First
• Take Ownership
• Respect
• Stay Curious
• Make it Better

• We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. Final hiring decisions are made by humans. If you'd like more information about data processing, please contact us.
• Varo is an equal opportunity employer. We embrace diversity and are committed to building teams that represent various backgrounds, perspectives, and skills. All applicants will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
• Beware of fraudulent job postings. Varowill never ask for payment to process documents or visas. If you suspect a phony offer, email (see below) with pertinent information.

Note on compensation: We provide standard salary ranges for US-based roles; the range for this role is $150,000 - $200,000, with final offers determined by experience and other factors.