Senior Data Scientist

United States /
Engineering – Data Science /
About PayJoy
PayJoy is a mission-driven company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy’s “secret sauce” technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2020 and are growing 3x annually, reaching 4 million happy customers and over a billion dollars of sales in 2022. 

This Role

You are excited about driving business value through the design of experiments in collaboration with a variety of teams (such as product, operations, marketing, risk) across a variety of channels. We have basic tools in place to assign customers to different experimental groups and you will develop and iterate the processes that we can use to run and interpret our experiments.

You are excited to be a part of an early-stage data science team shaping the future of many aspects of data science at PayJoy. You are eager to leverage your experience in experimental design to lay the foundations of our data science experimentation practices that will allow us to confidently make recommendations to business partners.


    • Collaborate with partners to translate business questions into experiments that you can run and interpret
    • Develop standardized end-to-end processes to propose, document, set up, start, monitor and close an experiment
    • Work with stakeholders to determine appropriate metrics to track balancing business value against time to making a decision


    • 3+ years of industry experience in designing and interpreting results from experiments in consumer products
    • 5+ years of industry experience primarily working with data (for example as a data scientist, software engineer or other technical role)
    • Fluent in SQL, proficient in Python and comfortable with dashboarding tools like Mode
    • Bachelor's degree or higher with a focus in a field of science, engineering or mathematics


    • Company-funded health, dental and vision insurance for employee and immediate family
    • Company-funded employee life and disability insurance
    • 401k contribution
    • Company holidays, 15 days of vacation (20 at 3rd year) and unlimited sick leave
    • Annual fitness benefit ($500), professional development benefit ($2000) and international travel benefit ($2000)
    • Commuter benefit
    • Headphone benefit

    • #LI-Remote
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed