Senior Data Scientist (Credit)
Félix.com
Remote
Remote
Full Time
About Us
At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We leverage cutting-edge technology like AI, blockchain, and stablecoins to make cross-border payments faster, more affordable, and more accessible than ever before.
We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an “Endeavour Entrepreneur” and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better. We are building the future, today.
About the Role
We are seeking an exceptional Senior Data Scientist specializing in Lending to join our dynamic and impactful team. This is a pivotal role where you will combine rigorous statistical expertise with a profound understanding of lending economics to directly influence Felix Pago's growth trajectory. You will be the architect and owner of Félix’s underwriting models – from the initial conceptualization and feature design to advanced validation and continuous optimization. Collaborating intensely with our Product, Engineering, and Collections teams, your work will be instrumental in enhancing approval rates, significantly reducing credit losses, and unlocking smarter, more sustainable growth strategies. This role offers the unique chance to shape our lending products and directly contribute to the financial empowerment of our users.
What You’ll Do
Requirements
Nice to Haves
What We Offer
Equal Opportunity Employer
At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.
Want to learn more about our privacy practices? Check out our Privacy Policy.
At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We leverage cutting-edge technology like AI, blockchain, and stablecoins to make cross-border payments faster, more affordable, and more accessible than ever before.
We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an “Endeavour Entrepreneur” and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better. We are building the future, today.
About the Role
We are seeking an exceptional Senior Data Scientist specializing in Lending to join our dynamic and impactful team. This is a pivotal role where you will combine rigorous statistical expertise with a profound understanding of lending economics to directly influence Felix Pago's growth trajectory. You will be the architect and owner of Félix’s underwriting models – from the initial conceptualization and feature design to advanced validation and continuous optimization. Collaborating intensely with our Product, Engineering, and Collections teams, your work will be instrumental in enhancing approval rates, significantly reducing credit losses, and unlocking smarter, more sustainable growth strategies. This role offers the unique chance to shape our lending products and directly contribute to the financial empowerment of our users.
What You’ll Do
- Refine and optimize underwriting models for loans, including approved loan amounts.
- Identify and integrate leading indicators of credit risk, especially behavioral ones, and identify additional crucial data points.
- Lead the integration of diverse internal and external data sources into our underwriting model.
- Build, maintain, and ensure the compliance of Credit underwriting models throughout their lifecycle.
- Design and maintain comprehensive credit dashboards for originations and collections, providing actionable insights.
- Provide advanced analytical support to originations and collections teams to optimize key metrics.
- Collaborate with Product and Engineering to integrate models into production systems and ensure ethical AI practices.
- Communicate complex analytical findings effectively to diverse audiences.
Requirements
- Credit Risk Modeling & Lending Domain Mastery. Deep expertise in credit risk modeling, underwriting processes, and lending economics.
- Proven ability to design, build, and deploy end-to-end ML solutions in production using a robust Python ecosystem.
- Applied MLOps expertise in model versioning, monitoring, and automated pipelines, working closely with engineering teams to ensure scalability and reliability.
- Advanced SQL skills for large-scale data extraction, transformation, and feature creation.
- Statistical Rigor & Problem Solving. Strong foundation in statistics. Hypothesis testing, sampling, and causal inference.
- Extreme Ownership and Bias for Action. Highly proactive, self-driven, with a strong sense of responsibility and a drive to deliver results in a fast-paced environment.
- Exceptional Communication & Collaboration. Outstanding verbal and written communication skills, with a track record of successful cross-functional collaboration.
- Equivalent competencies in any of the above will also be considered.
Nice to Haves
- Experience with cloud-based data platforms (e.g., GCP, AWS, Azure)
- Experience with collections analytics, recovery modeling, or pricing optimization.
- Familiarity with MLOps practices and tools for model deployment and lifecycle management.
- Background in FinTech, startups, or other regulated industries with a focus on consumer lending.
- Experience with feature stores, model registries, and CI/CD pipelines for ML.
- Advanced degree in a quantitative field such as Data Science, Statistics, Economics, Computer Science, or a related discipline.
What We Offer
- Competitive salary
- Initial stock options grant
- Annual performance bonus
- Health, dental, and vision plans
- Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
- Continuous learning opportunities
- Unlimited PTO
- Paid parental leave
- Empowering opportunities for growth in a dynamic entrepreneurial environment
Equal Opportunity Employer
At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.
Want to learn more about our privacy practices? Check out our Privacy Policy.