Data Scientist

Who we are…

We are Payactiv, a FinTech company in the heart of Silicon Valley, devoted to giving workers access to their earned wages when they need them. Payactiv is the pioneer and industry leader in Earned Wage Access. We are the only Certified B Corporation and Public Benefit Corporation in our industry. Our app provides millions with financial services that help them avoid debt, manage their finances, and regain flexibility to pay for things on their own schedule.

Payactiv’s Finance Risk \& Analytics team is seeking an experienced Data Scientist

, based out of our Milpitas office, who is passionate about using data to uncover insights, drive decisions, and shape products that transform how people experience financial wellness.

The Finance Risk and Analytics team is responsible for building the data-driven intelligence that powers many of Payactiv's financial products and business decisions. We develop forecasting models, decision engines, risk strategies, marketing campaign analytics and other analytical solutions that help drive business performance at scale. Working closely with Product, Engineering, Operations and other Finance teams, we turn data into actionable insights and automated decisions that improve customer outcomes, strengthen partner relationships, and support long-term growth.

What you will do…

• Bring both technical and analytical depth and acute business judgment — partner with Product, Engineering, Marketing, Growth, and Customer Success teams to identify which problems are worth solving.
• Own the end-to-end solution from data exploration and feature engineering through model training, validation, deployment, and performance monitoring.
• Act as a trusted advisor to internal and external stakeholders, translating technical findings into clear, impactful insights.
• Collaborate with data engineers in designing, validating, and maintaining ETL processes and data pipelines to ensure integrity, quality, and observability.
• Stay on top of emerging technologies in analytics, ML/AI, and cloud computing (familiarity with Snowflake and AWS SageMaker is a strong plus).

What you need…

• Bachelor’s degree in quantitative discipline – Data Science, Engineering, Statistics, Mathematics, Economics, etc.
• 2\+ years of experience in Data Science, Engineering or a closely related role.
• Excellent communication skills with the ability to convey complex findings to both technical and non-technical audiences. A proactive, curious, and detail-oriented mindset with strong problem-solving abilities.
• Strong business acumen — able to connect analytical work to business outcomes, prioritize the highest-impact problems, and influence decisions across cross-functional partners.
• Proven proficiency in SQL and Python (pandas, NumPy, and ML frameworks such as scikit-learn, XGBoost, LightGBM, PyTorch, or TensorFlow), with experience in data transformation, wrangling, and analysis against multi-million-row datasets.
• Solid working knowledge of relational databases — comfortable writing performant queries, optimizing slow ones, and reasoning about schemas, joins, and query plans at production scale.
• Hands-on experience with business intelligence and visualization tools (Sigma, Tableau, Looker, or Power BI).
• Experience designing, validating, and maintaining ETL processes and data pipelines.

What we offer…

• Company sponsored Health, Dental, and Vision insurance
• 401K, traditional, and Roth with a company match
• Tuition Assistance or Tuition Reimbursement
• Unlimited Paid Time off
• Monthly Gym Reimbursement
• Paid time off to volunteer
• Paid Family Leave
• Complimentary office lunches
• Opportunity to grow
• Opportunity to work with a great team committed to making a difference.
• Salary Range: $110K to $140K (Based on years of experience)