The ad says“Develop valid and predictive machine learning models”
The ad says“Building and shipping ML models (XGBoost and friends) that forecast merchant repayment behavior — from feature engineering through production deployment — to inform how we price and size offers”
Values
The ad says“Automating processes — lien filings, KYC checks, fraud screens — using APIs, ML, and LLMs”
The ad says“Automating processes — lien filings, KYC checks, fraud screens — using APIs, ML, and LLMs”
The ad says“Write legible, reliable, and tested code”
The ad says“Building internal tools — Streamlit apps, dashboards, Slack bots — that the rest of the company uses every day”
Data is core to Parafin’s mission to grow small businesses. Our platform partnerships and portfolio provide rich insight into SMB financial health, allowing us to create fair, automated, and broad access to financial services. As Parafin scales, the breadth and depth of our data grows with it, amplifying the impact we can have on customers and the trajectory of the business
Our mission is to help Parafin succeed by leveraging the vast data that powers our platform. Our team partners closely with leaders across the company to drive impact. This role’s scope includes:
Growth: We design experiments and analyses that expand access to capital while keeping the portfolio healthy. Example projects:
Designing experiments that navigate the tradeoff between growth and risk — expanding access to capital while keeping the portfolio healthy
Studying the full merchant lifecycle — first offer, repayment, repeat capital — to find where we can responsibly extend more
Modeling how a prospective partner’s portfolio would perform on our platform, so we can size new opportunities before launching
Portfolio Monitoring & Servicing: We build models and tooling that forecast portfolio performance and measure the impact of our servicing efforts on merchant outcomes. Example projects:
Building and shipping ML models (XGBoost and friends) that forecast merchant repayment behavior — from feature engineering through production deployment — to inform how we price and size offers
Measuring whether our servicing actually works — how much balance we recover after reaching out to a struggling merchant, and what interventions move the needle
Infrastructure: We build the data pipelines, automated systems, and internal tools that let the rest of the company operate at scale. Example projects:
Building the data pipelines that power every analysis, dashboard, and ML model across the company
Automating processes — lien filings, KYC checks, fraud screens — using APIs, ML, and LLMs
Building internal tools — Streamlit apps, dashboards, Slack bots — that the rest of the company uses every day
Beyond these focus areas, our team helps expand our impact by recruiting exceptional talent, improving our tools, and supporting each other through regular seminars and project reviews
You will make an outsized impact on Parafin’s trajectory by leading projects from end to end. You will quickly learn new methods, apply them across diverse areas of the business, and implement them robustly. You will develop expertise in specific areas of the business, but may tackle projects across domains as our priorities evolve
Benefits
Health, dental, & vision
401k plan
Parental leave
Unlimited PTO
Commuter benefits
Free in-office lunches
Mental health & well-being
Special recognition
Preferred experience
Bachelor’s Degree (or higher) in Computer Science, Statistics, Mathematics, Data Science (or related fields). We believe the most effective data scientists bring the following skills to their work:
Design concise metrics that guide decision making
Approach data analysis with a critical, intellectually honest eye
Develop valid and predictive machine learning models
Use robust causal inference methods
Anticipate the impact of your work on our financial performance, customers, and compliance obligations
Solve business problems using appropriate data science techniques
Identify and effectively prioritize business problems
Build or source tools to boost the team’s efficiency
Write legible, reliable, and tested code
Contribute to model and data infrastructure design
Document work, seek feedback, and share learnings proactively
Mentor other DS members on the team
Build trusted relationships with stakeholders
Management experience, a plus!
Model Parafin’s values of efficiency, intellectual honesty, accountability, and empathy
Prioritize high-impact use of your time
Scope projects rigorously
Act with urgency
Critically evaluate AI-generated outputs for accuracy and reliability
Rapidly learn and adopt emerging AI tools and workflows to accelerate analysis
