Perpay

Financial Services

DataScientistManager

$155–220k ~AI est. Philadelphia, Pennsylvania, United States FULL TIME
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Manager candidates.

The Brief

“Data Scientist Manager at Perpay. Skills: Data Science, Machine Learning, Risk Management, Credit Decisioning. Own modeling work. Drive Perpay's decisions”

What You'll Achieve.

Improve financial stability; Scale operations; Build new offerings; Deepen impact; Reduce cost of ownership; Promote healthy repayment behavior; Monitor credit; Build credit; Expand access to credit; Remove credit barriers; Achieve big wins; Rapid product development; Drive modeling work; Scale credit portfolio; Deepen LLM use; Tighten feedback loops; Ship production work; Materially expand team's reach; Develop ICs; Grow ICs

Industry & Context.

Financial Services
Problems you'll solve

Root cause analysis; Troubleshooting

What They're Looking For.

Must Have

3+ years managing data scientists, Substantial IC experience kept current, SQL proficiency, Bachelor's in Statistics, Bachelor's in Computer Science, Bachelor's in Mathematics

Nice to Have

PhD preferred, GCP Professional Data Engineer, AWS Data Analytics, Databricks Certified, dbt Certified

What You'll Do.

Drive Perpay's decisions

Manage credit decisioning

Manage marketing-mix attribution

Manage product experimentation

Own data science side of risk decisioning service

Expand card-portfolio modeling

Tighten feedback loops

Partner with Engineering

Partner with Marketing

Partner with Merchandising

Work with Data Engineering

Work with Strategic Analytics

Own models end-to-end

Scope models with stakeholders

Ship models to production

Monitor model performance

Manage Data Science team

Own performance management

Own technical strategy

Partner with Head of Data

Partner with Data Engineering lead

Partner with Strategic Analytics lead

Teach healthy data science team culture

Teach managing technical work

Defend design decisions

Handle disagreement with stakeholders

Contribute to modeling work

Contribute to team's hiring pipeline

Set technical direction

Make process or workflow changes

Complete performance check-in cycle

Become trusted technical voice

Contribute to production modeling work

How You'll Work.

Team & Collaboration

Cross-functional teams; Data Engineering; Strategic Analytics; Engineering; Risk; Marketing; Merchandising; Finance; Leadership team

Communication Scope

Stakeholder presentations; Technical discussions

Process & Methodology

Roadmap planning

Full Job Description

About Us: Perpay is a certified B Corp and Philadelphia’s most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit. With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey. Our venture partners include First Round Capital and L Catterton. Products we’ve built to make an impact: Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior. Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus. Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds. Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable "home away from home" space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now. About the Role: Our data team is organized across three groups: Data Engineering, Data Science, and Strategic Analytics. Data Science owns the mod

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