We stand for the side hustlers 💪, the creators 👩‍🎤, the freelancers 🧑‍💻, and the investors 👩‍💼. We are built for those who are looking to start early, to rebuild, or improve on where they are today. For people who are not afraid to take on challenges, especially when it comes to their finances. Step is a next-generation financial services company building a better banking and borrowing experience to help people achieve financial independence as quickly as possible. We provide access to the tools, education, and opportunities to manage, build, and grow their money with confidence. Step is focused on disrupting the banking industry with a differentiated mobile-first consumer experience. People love our product . We eclipsed over 7M million customers, and if you’re looking to join a fast-growing company with a strong mission and vision that puts people first, we want to meet you! The role Step is looking for an experienced Data Scientist to build and deploy Machine Learning models for all things Risk and Fraud. What you’ll do Build and Deploy ML Models: You’ll design, develop, and deploy machine learning models to enhance our Risk and Fraud detection systems. These models protect Step and our customers from fraud and financial loss. Lead Technical Efforts: You’ll take the lead in the Risk/Fraud area, providing technical direction and helping shape team’s strategy. Data Manipulation: You’ll use SQL to efficiently fetch, transform, and manipulate data, ensuring it’s ready for model development. Code Development: You’ll write production-grade code to deliver robust machine learning solutions. Design Experiments: You’ll apply statistics to guide experiments, determine appropriate sample sizes, and evaluate model performance. Cross-Function Partnership : Parter with Operations Team to quickly respond to rapidly evolving events. What we’re looking for 5+ years experience in Data Science or ML Engineering Proficiency in SQL and Python Ability to communicate clearly with both technical and non-technical audiences. Excellent data analysis skills. Experience developing and deploying machine learning models. Experience, but not required, in working in financial systems, including lending or risk/fraud. This role is available remotely within the U.S. or in our Palo Alto, CA office. Working at Step Competitive salary based on experience, with full medical and dental benefits 💸 High potential for growth 📈 Stock in an early-stage startup 🤩 Flexible WFH and vacation policy 🏝 Paid parental Leave 🐣 Employee referral program 👯‍♀️👯 401K plan 💪🏻