# Senior Data Scientist - Flex Pay at Upgrade

Senior Data Scientist - Flex Pay at Upgrade in San Francisco. Hybrid, paying $100k–$150k. Posted September 29, 2026.

- Company: Upgrade
- Location: San Francisco
- Workplace: Hybrid
- Pay: $100k–$150k
- Experience: 3+ years
- Posted: 2026-09-29
- Apply: https://job-boards.greenhouse.io/upgrade/jobs/4739106005
- Source: https://jobmagic.ai/jobs/senior-data-scientist-flex-pay-upgrade-fr2ahj

## Description

**About the Role:**

We are seeking a highly analytical and results-driven Data Scientist to join our buy now pay later (BNPL) sector called Flex Pay. You will play a key role in building predictive risk models, optimizing offers and pricing, and extracting insights that drive product development, risk mitigation, and customer strategy. This role requires a strong foundation in statistics, machine learning, and programming. 

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***While this position is ideally based in our San Francisco office on a hybrid basis, we are also open to considering remote candidates.***

 

**What You’ll Do**: 

- Build and maintain credit and fraud policy simulators used to ensure properly functioning systems and identify risk decisioning enhancements. 

- Build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution.

- Validate models to identify factors that may affect model performance.

- Analyze large, structured and unstructured datasets using SQL, Python or similar tools.

- Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available for model development.

- Collaborate with cross-functional teams including risk, marketing, product, and engineering to define data-driven strategies.

**What We Look For**:

- Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline.

- 3-5+ years of hands-on experience in a data science or analytics role, preferably in financial services. 

- Experience and/or strong interest in machine learning techniques (Random Forest, Gradient Boosted Trees, etc.) strongly preferred.

- Strong proficiency in Python (Pandas, Numpy, Scikit-learn) and SQL.

- Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.).

- Proactive, driven, and ability to work in a fast paced environment.

**Nice to Have**:

- Experience with data visualization tools (e.g., Tableau, Power BI).

- Experience with AI tools such as Claude

- Experience with data technologies like PySpark.

- Understanding of financial services concepts such as credit scoring, portfolio risk, or customer lifetime value.

 

**What We Offer You**: 

- Competitive salary and stock option plan

- Paid coverage of medical, dental and vision insurance 

- Competitive 401(k) and RRSP program  

- Flexible PTO

- Opportunities for professional growth and development  

- Paid parental leave

- Health & wellness initiatives

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The compensation range of this position in San Francisco, CA is USD $100,000-$150,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.*