Build and improve predictive models across consumer decisioning, consumer behavior modeling, fraud, churn, transaction intelligence, and other business-critical use cases
Own the full model development lifecycle, including data exploration, feature engineering, model training, validation, deployment, monitoring, and retraining
Develop reusable modeling pipelines, analytical tools, and production-quality code to support scalable data science work
Collaborate with data analysts, engineers, product managers, and business stakeholders to deliver ML models with quality, efficiency, and precision
Identify new areas where data science, predictive modeling, and optimization can improve product and business outcomes
Requirements
You will work on advanced machine learning and statistical modeling problems, including cash-flow based credit decisioning for our earned wage advance product, Klover, as well as consumer behavior modeling, transaction categorization, paycheck detection, fraud scoring, churn prediction, and other high-impact predictive modeling use cases.
The ideal candidate combines strong quantitative fundamentals with practical
Hands-on development of ML and statistical models at the core of our EWA product, with a focus on fast, rigorous, and high-quality execution
experience working as a Data Scientist, Machine Learning Scientist, Model Developer, Applied Scientist, Economist, or similar role on relevant business problems
Strongly preferred: Master's, or Ph.D. in a STEM field such as Computer Science, Statistics, Economics, Mathematics, Engineering, Physics, Operations Research, or a related quantitative field
Demonstrated ability to apply critical thinking, causal inference, abstract reasoning, and generalization to complex, ambiguous business and technical problems
Strong expertise developing, validating, deploying, and monitoring machine learning models in production •
Experience with AI/ML-assisted development tools and MLOps practices, including
experience working with large language models (LLMs) or autonomous agents for code generation and model refinement •
Experience with predictive modeling, consumer behavior modeling, risk modeling, credit decisioning, fraud modeling, churn modeling, or other high-impact applied ML use cases
Solid foundation in statistics, probability, mathematics, and machine learning fundamentals
Strong Python coding skills, with the ability to build models, pipelines, and analytical tools from scratch
Strong SQL skills and
experience working with large, messy, real-world datasets •
Experience with feature engineering, model evaluation, calibration, monitoring, retraining, and model performance diagnostics •
Experience with cloud computing services or platforms; GCP preferred
Familiarity with version control, peer code review, and collaborative software development practices
Demonstrated ability to learn new technologies, applications, and modeling approaches quickly
Strong written and verbal communication skills, including the ability to explain technical topics to both technical and non-technical audiences
Experience
Preferred Qualifications 5+ years of direct
Benefits
Our systems process and move more than $1.5 billion annually, enabling real-time access to financial tools, rewards, and services that help people improve their day-to-day lives.
Additional details
Klover’s engineering team powers one of the fastest-growing fintech platforms in the U.S., supporting over one million active users each month.
As part of this team, you’ll help design, build, and scale the systems that underpin Klover’s core products and platform.
You’ll work on high-impact, production-grade systems that prioritize reliability, security, and performance, and that integrate with a broad ecosystem of internal and external services.
The work you do will directly shape how users interact with Klover’s products, access their money, and
experience transparent, low-fee financial services. About the role
Attain is seeking a Senior/Staff Data Scientist to support the growing needs of our suite of B2C financial services.
This role will be highly hands-on, focused on building, improving, validating, and deploying predictive models that power consumer decisioning and business optimization across our app portfolio.
Apply strong statistical and mathematical judgment to model evaluation, calibration, robustness testing, and business impact measurement
Willingness to roll up your sleeves and wear multiple hats across data science, analytics, modeling, and technical execution based on business needs
At Attain, we are passionate about finding people to continuously help us grow our organization. We encourage you to apply, even if your