Data Scientist or Decision Scientist

Senior Data Scientist - Network Value (Plaid App)

Plaid

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. SENIOR DATA SCIENTIST - NETWORK VALUE (PLAID APP) The Network Value Data Science team is helping Plaid build an industry-leading fintech consumer network with best-in-class products and user experiences. We are a product analytics team embedded in key product areas across Plaid. We support some of Plaid’s most important OKRs and help execute on product roadmaps. We translate ambiguous product questions into tractable analysis, serve as analytical thought partners throughout the org, identify opportunities to build better products, and champion a data-first decision-making approach everywhere we go. You’ll be a Senior Data Scientist supporting Plaid App, a critical user-facing product within Plaid’s Network Value portfolio. In this role, you’ll become a data and analytical thought partner to product managers and engineers, helping drive data-informed product development as the team launches and scales the product from 0 to 1. You’ll translate business questions into analytics projects, perform ad-hoc and strategic analysis, improve visibility into core systems through data modeling and dashboarding, create OKRs and metrics tied to business goals, and support feature ship decisions through experimentation. You’ll also help identify new ways Plaid App can move top-line outcomes and influence prioritization, roadmapping, and execution across cross-functional partners. RESPONSIBILITIES * Champion a data-first approach to decision-making across the organization as Plaid App is built and scaled, serving as the data and analytical thought partner to product managers, engineers, and cross-functional stakeholders. * Translate ambiguous business and product questions into clear analytics projects and decision frameworks, and perform ad-hoc and strategic analyses to identify opportunities to improve user outcomes and business performance. * Build and maintain data models, dashboards, core metrics, OKRs, and success metrics that improve visibility into Guard performance and quantify progress against business goals. * Design and analyze experiments to support feature launch and iteration decisions, and partner on Airflow- and dbt-powered data pipelines that enable trustworthy analytics and scalable reporting. * Identify novel ways to impact top-line OKRs and influence stakeholders on prioritization, roadmapping, and execution, while exploring ML prototypes and causal inference approaches where they can improve product or decision quality. QUALIFICATIONS * 5-8+ years of experience as a Data Scientist or in a related analytics or data-focused role * Fintech experience, including experience working with raw fintech data * Experience launching direct-to-consumer products from 0 to 1 * Experience with experimentation, ad-hoc analysis, and developing strategic insights * Strong SQL skills and experience creating metrics that drive alignment with stakeholders * Experience building or partnering closely on data pipelines using Airflow and dbt * Strong communication skills and experience partnering cross-functionally with product managers, engineers, and other stakeholders * Experience driving data-driven performance for user-facing products * Track record of identifying novel ways to impact a top-line OKR and influencing stakeholders on prioritization, roadmapping, and/or execution NICE TO HAVE * Experience with causal inference * Experience with machine learning * Python proficiency Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. Please review our Candidate Privacy Notice here. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

Data Scientist

Nextory

You know that bit where every company says they’re “changing the world”? Yeah, it can feel a little forced. But we like to think our story actually has some realness to it. Our story begins with Shadi Bitar and Ninos Malki, who came to Sweden from Syria as kids and discovered that books could be a bridge - helping them learn the language, understand the culture, and explore new worlds. A thought emerged, what if everyone could have that? And just like that, Nextory was born - your all-access pass to read, listen, and discover new perspectives without limits. And now, we're on a quest to find a Data Scientist.  Let us tell you about the role 📖 As a Data Scientist at Nextory, you will be part of our centralized data team, supporting our Business value stream with an analytical mindset and tech-savvy approach to drive sustainable subscriber growth. You will work closely with stakeholders across Business, Marketing, and Product to create data-driven insights and models that improve decision-making and business performance. Some examples of what you might be spending your time on: * Owning projections and forecasts related to activations and new paying subscribers * Supporting budgeting, forecasting, and ad hoc business analysis with actionable insights * Building and improving Nextory’s central data capabilities and ways of working * Supporting the Performance Marketing team with MMM, attribution models, and other analytical frameworks to improve marketing efficiency * Drive data-informed growth by analyzing user behavior, optimizing funnels, and running A/B tests to improve acquisition and conversion. * Build dashboards, reporting tools, and measurement frameworks in collaboration with Product and Business to provide clear performance insights and support Nextory’s growth strategy. The main character we’re looking for 👀 We believe that you are currently working in a similar role at a fast-moving, product-focused company. You enjoy solving complex business challenges through data and are confident working with multiple stakeholders and know how to balance business needs with analytical rigor. Furthermore, we believe you have: * Several years of experience working as a Data Scientist or Data Analyst * Strong knowledge of SQL and Python * Experience working with performance marketing, attribution modeling, Marketing Mix Modeling (MMM), or related analytical methods * Good understanding of digital marketing channels such as Google Ads, Meta, SEO, and online customer acquisition * Experience building dashboards or working with BI tools (e.g. Looker, Tableau, or similar) The Nextory way of working 🏠 At Nextory, we believe a strong and inclusive culture is key to our success - and that culture flourishes when we meet and collaborate in person as much as possible. That’s why we spend the majority of the working time at our beautiful office! We are based in Stockholm, Sweden, with offices in Paris and Bangalore. Our hybrid work policy includes four days in the office and Wednesdays as a work-from-home day. Your next story starts here 💫 We look forward to your application 💫. Applications are reviewed continuously, but please note that due to summer vacations, our response times may be a little longer than usual. If you have any questions about the role, please contact erika.thorslund@nextory.com. Please note that we do not offer relocation and that a six-month probationary period applies.

Data Scientist - Partner Flow Team

iwoca

DATA SCIENTIST - PARTNER FLOW Hybrid in London, United Kingdom We're looking for a Data Scientist to join the Partner Flow team You'll own experimentation and analytics for iwoca's partner channel – fintechs and platforms that embed iwoca lending in their own products. The analytical approach is still being built, and the scope to shape it is wide. The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team Partner Flow owns the customer journey from the moment someone starts an application on a partner platform through to a completed credit assessment. By making the application process as smooth as possible and collecting the data needed for a credit decision efficiently, the team maximises the number of partner-referred customers that receive an offer. The team works across the full application stack – from the APIs partners use to integrate iwoca, through to the experience customers see when they apply. The team is small and cross-functional, combining data science, engineering, design, and product. Active projects include: * Pre-qualification – testing how showing customers an offer before they apply affects conversion and long-term value * Credit card strategy – iwoca recently launched a credit card alongside its flexi-loan; the team is working out which product, or combination, to offer which customers * Funnel optimisation – identifying and reducing the biggest points of friction across the partner journey The role You'll design experiments, model customer behaviour and analyse large data sets across the partner funnel, and turn findings into product and strategy decisions. The analytical approach is still being shaped - you'll influence how it develops, not just what it produces. The work has direct commercial consequences – on partner platforms, iwoca competes for attention alongside other lenders, and what this team builds and tests affects which customers convert and on what terms. You'll work closely with commercial, strategy, and product colleagues across the business. * Experimentation and causal inference. You'll design and analyse experiments where careful randomisation and interpretation are critical. You'll need to know where standard A/B testing breaks down and what to reach for instead. The problems are consequential: measuring how pre-qualification affects Customer Lifetime Value (CLTV), and understanding how different products interact when offered to the same customer base. * Funnel and competitive strategy. You'll analyse the full partner-referred customer journey – from application through to credit assessment – identifying where conversion breaks down and why. On partner platforms, iwoca is positioned alongside competitors, so you'll also figure out what makes customers choose iwoca over the alternatives, and how to shift those dynamics in our favour. * Commercial translation. You'll be directly involved when decisions get made – not handing off analysis to be interpreted by someone else. You'll work with commercial and strategy colleagues and coordinate with adjacent teams to make sure the tests and policies you run fit together with their ongoing work. * AI and ways of working. You'll use AI to accelerate and automate your analytical work. The team treats this as a lever for increasing its rate of learning. You'll be expected to have a view on where it helps and where it doesn't. The requirements Essential: * Statistical foundations. Strong grounding in probability and statistics, with an understanding of Bayesian reasoning and experience applying hierarchical modelling or decision-making under uncertainty. * Causal inference. Experience separating signal from noise in observational and experimental data. * Business translation. Ability to understand commercial context and translate data into actionable insights that guide decisions - not just produce analysis, but land it with people who act on it. * Data tooling. Proficiency with data manipulation and modelling tools. * Analytical ownership. Comfortable owning ambiguous problems end-to-end - from framing through modelling to influencing decisions. * AI fluency. Experience with and a passion for using AI to accelerate and automate analysis and model building. * Communication. You write and speak clearly, adapting technical detail to different audiences. Bonus: * Modelling depth. Experience building or adapting statistical or ML models, with an interest in understanding what's happening underneath. * Stochastic methods. Familiarity with stochastic modelling concepts as they apply to inference, time series, or uncertainty. * Funnel and marketplace experience. Experience with conversion funnel analysis or marketplace dynamics where you're competing for attention alongside competitors. * Python. You work primarily in Python. If your background is R or another language, that's fine - but Python is what the team uses day to day. * Market curiosity. You want to understand how the partner lending market actually works - what makes a partner choose iwoca over a competitor, and what makes a customer convert. The salary We expect to pay from £70,000 – £100,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance reviews. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices We put a lot of effort into making iwoca a great place to work: * Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. * Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits * Flexible working hours. * Medical insurance from Vitality, including discounted gym membership. * A private GP service (separate from Vitality) for you, your partner, and your dependents. * 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. * A one-month, fully paid sabbatical after four years. * Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. * 3% Pension contributions on total earnings. * An employee equity incentive scheme. * Generous parental leave and a nursery tax benefit scheme to help you save money. * Electric car scheme and cycle to work scheme. * Two company retreats a year: we’ve been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: * A learning and development budget for everyone. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse. Useful links: * iwoca benefits & policies * Interview welcome pack