# Senior Data Scientist - Flex Pay at Upgrade

> United States · Senior · Analytics / Data science · open. Source: https://alderhq.app/jobs/greenhouse%3Aupgrade%3A4739106005 (read 2026-11-12).

## Facts (observed)

- Company: [Upgrade](https://alderhq.app/companies/upgrade)
- Location text: San Francisco; San Francisco
- Where it can be done from (inferred): United States (evidence: "Location: San Francisco; San Francisco")
- Posted: 2026-09-29 (44 days ago)
- First seen by alder: 2026-11-07 · last verified: 2026-11-07
- Reposted: 0 times · edited: 0 times
- Apply on the employer's site: https://job-boards.greenhouse.io/upgrade/jobs/4739106005
- Skills listed (inferred): Python, SQL

## Pay and sponsorship

- Posted pay: not posted
- Market band for similar posted roles (SF Bay Area, n 77): p25 $171k, median $198k, p75 $227k

## Description (the employer's text)

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.

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
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.

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Data: alder (https://alderhq.app). Cite https://alderhq.app/jobs/greenhouse%3Aupgrade%3A4739106005 and the date you read it. Observed facts come from the employer's own listing; location reach, level, family and skills are inferences.