Data Scientist, AI & Machine Learning Systems; Dublin, CA

** To be considered for this position, candidates must be legally authorized to work in the United States on a full-time basis without the need for employer sponsorship now or in the future.**

Savvy Money is a leading San Francisco East Bay fintech company. We provide integrated credit score and personal finance solutions to 1,600+ bank and credit union partners nationally. The Savvy Money solutions integrate with more than 43 digital banking platforms.

Savvy Money was recently recognized by the San Francisco Business Times and the Silicon Valley Journal as one of the "Top 25 Places to Work in the San Francisco Bay Area" and is an Inc. 5000 Fastest Growing Company.

We’re headquartered in Dublin, CA, and offer a flexible hybrid work environment that blends in-office collaboration with the freedom of remote work.

We are seeking a Data Scientist with strong Machine Learning Engineering capabilities to lead initiatives in predictive modeling, personalization, and AI-driven financial recommendations.

This role goes beyond traditional model development. You will work on adapting and deploying base models, integrating LLMs and building scalable AI systems. The goal is to power personalized marketing, loan offers, credit improvement strategies, next-best-action recommendations, and intelligent analytics experiences. You will collaborate closely with product and business teams to ideate and partner with engineering to deploy models into scalable, low-latency production environments.

• Perform exploratory analysis to identify high-impact opportunities for AI-driven optimization and automation.

• Design, build, fine-tune, and deploy machine learning models for:

  • Marketing propensity modeling

  • Personalized loan offers and recommendations

  • Next-best-action and engagement optimization

  • Credit improvement and financial health predictions

• Adapt and fine-tune foundation models and LLMs for domain-specific use cases including recommendation engines, intelligent copilots, and conversational insights

• Partner closely with engineering teams to product ionize models with strong considerations for latency, monitoring, reliability, and cost efficiency.

• Help engineering build reusable ML frameworks, feature pipelines, and experimentation infrastructure to accelerate AI innovation.

• Contribute to experimentation design (A/B testing, uplift modeling, bandits) to measure real business impact.

• Work cross-functionally with Product and Business stakeholders to translate AI capabilities into measurable outcomes.

• Implement model monitoring, drift detection, and performance tracking to ensure long-term reliability.

• Follow responsible AI practices, ensuring fairness, transparency, and appropriate governance.

• Master’s or PhD in Computer Science, Statistics, Data Science, or related field (or equivalent experience)

• 6+ years of professional experience in data science or machine learning, ideally in fintech, financial services, or a B2B2C environment

• Strong proficiency in SQL and Python (pandas, scikit-learn, PyTorch, Tensor Flow, XGBoost, etc.)

• Hands‑on experience with tree‑based models (XGBoost, Light
  
  GBM, Cat Boost) and neural networks

• Proficiency in notebooks (Jupyter, Colab, etc.) and deep learning frameworks such as Tensor Flow and PyTorch for model development

• Familiarity with LLMs and generative AI frameworks (Hugging Face, Lang Chain, OpenAI APIs, etc.)

• Experience deploying machine learning models into production environments with considerations for scalability and latency

• Strong business acumen with the ability to translate complex analytical outputs into actionable recommendations

• Excellent communication skills to collaborate with both technical and non‑technical stakeholders

• Experience with cloud‑based platforms (AWS, GCP, or Azure) for model training and deployment

• Knowledge of MLOps tools and practices (MLflow, Airflow, Kubeflow, Docker, etc.)

• Understanding of credit risk modeling, financial products, or consumer lending.

• Experience working with APIs, real‑time scoring, and event‑driven architectures.

• High Impact:
  Your models will directly shape how people access loans, improve credit scores, and…