We’re looking for a Data Scientist with deep AI and machine learning expertise to help shape the future of data-driven innovation in fintech. You’ll work on developing intelligent systems that power risk modeling, fraud prevention, customer insights and targeting, and payment optimization. Your models will have a direct impact on financial decisions, operational efficiency, and customer trust across our products.
Key Responsibilities- AI-Driven Insights: Develop and deploy advanced machine learning models to optimize customer targeting, payment monitoring and growth and operational efficiency opportunities.
- Predictive Modeling: Build forecasting models to improve transaction accuracy, detect anomalies, and assess financial risk.
- Data Engineering & Feature Design: Clean, transform, and model large, high-velocity financial datasets with attention to data integrity and compliance.
- AI Product Integration: Collaborate with Product to integrate AI solutions into production systems for real-time financial decisioning.
- Experimentation: Lead A/B tests and model performance evaluations to validate model effectiveness and regulatory compliance.
- Communication: Translate technical findings into actionable insights for business leaders and compliance teams.
- Research & Innovation: Stay on top of advancements in generative AI, LLMs, and financial AI applications to guide innovation strategy.
Required Qualifications
• Bachelor’s or Master’s degree in Data Science, Computer Science, Statistics, or related field.
• 3+ years of experience in a data science or AI-focused role within fintech, banking, or payments.
• Expertise in Python, machine learning frameworks (scikit-learn, TensorFlow, PyTorch), and data pipelines.
• Strong background in supervised/unsupervised learning, anomaly detection, NLP, and generative AI.
• Familiarity with financial data structures, regulatory standards (e.g., PCI-DSS, GDPR), and model governance.
• Experience with cloud platforms such as Snowflake for ML deployment.
Preferred Qualifications
• Experience in fraud analytics, risk scoring, or payment decision models.
• Understanding of MLOps and continuous model monitoring in regulated environments.
• Familiarity with financial transaction data, open banking APIs, or real-time payments systems.
• Experience developing LLM-powered assistants or AI copilots for financial operations or support.
• Strong data storytelling and visualization skills (Tableau preferred).
Skills Required
- Bachelor's or Master's degree in Data Science, Computer Science, Statistics, or a related field
- 3+ years of experience in a data science or AI-focused role within fintech, banking, or payments
- Expertise in Python, scikit-learn, TensorFlow, PyTorch, and data pipelines
- Strong background in supervised and unsupervised learning, anomaly detection, NLP, and generative AI
- Familiarity with financial data structures, PCI-DSS, GDPR, and model governance
- Experience with cloud platforms such as Snowflake for machine learning deployment
- Experience in fraud analytics, risk scoring, or payment decision models
- Understanding of MLOps and continuous model monitoring in regulated environments
- Familiarity with financial transaction data, open banking APIs, or real-time payments systems
- Experience developing LLM-powered assistants or AI copilots for financial operations or support
- Strong data storytelling and visualization skills; Tableau preferred
BillGO Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about BillGO and has not been reviewed or approved by BillGO.
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Healthcare Strength — Health coverage is characterized by multiple plan options, employer HSA contributions, and company-paid short/long-term disability and basic life insurance; feedback suggests this package is strong for a midsize fintech. Coverage breadth and employer funding are consistently highlighted as differentiators.
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Leave & Time Off Breadth — Time off is described as unlimited PTO for exempt staff and generous accruals for non-exempt employees. Feedback suggests schedule flexibility and rest are meaningfully supported.
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Wellbeing & Lifestyle Benefits — Everyday perks such as an on-site fitness center, snacks/meals, flexible schedules, wellness programs, and learning support are emphasized. Feedback suggests these amenities add tangible day-to-day value, especially for onsite employees.
BillGO Insights
What We Do
BillGO is building the receivables infrastructure network for U.S. small businesses. Our network reaches roughly $200B a year in payments owed to 3 million small businesses. We accelerate $4B of it. 100,000 of them joined BillGO Exchange, and 4,000 more join every month. Closing that gap is the work. A payment is not complete when funds arrive. It is complete when the customer has no additional work to do. That distance costs small businesses countless hours a week and 10 days waiting on money they already earned. Behind every one of those payments is a business depending on it to make payroll. The largest companies are paid instantly. Every small business deserves the same. We turn slow, less secure payments into fast, secure ones so small businesses get paid faster. The systems that move this money were never built to talk to each other, and money movement does not forgive. We build with AI, not around it. The BillGO Agent does the work a small business should never have to touch again: routing, matching, reconciling, and closing the loop with the payer. Everyone here is AI forward, curious, and better than they were six months ago. We hire for extreme ownership: the outcome, not the task, including the parts nobody assigned you. If you want a landscaper paid on time instead of chasing money on a Sunday night, BillGO is where it happens.
Why Work With Us
Everyone here is AI forward, curious, and better than they were six months ago. We hire for extreme ownership: the outcome, not the task, including the parts nobody assigned you. If you want a landscaper paid on time instead of chasing money on a Sunday night, BillGO is where it happens.
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