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Data Scientist, Underwriting

Parafin· Data Science
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Hybrid (San Francisco, CA)$200k - $260k + equityFull-timePosted 11mo ago

About the role

Data Scientist focused on underwriting at Parafin, building and deploying production underwriting models and automated risk/pricing systems to support lending products for small businesses.

Responsibilities

  • Design, train, and deploy production underwriting models
  • Design experiments and metrics to drive risk and pricing decisions
  • Partner with engineering and product teams to architect automated underwriting systems
  • Identify business opportunities to improve growth and profitability via improvements to our underwriting posture
  • Train quantile regression models, leverage LLMs for risk modeling, perform risk-based pricing optimization and experimentation, collaborate to build a modular real-time underwriting system, build simulation platforms to model conversion and risk exposure, ingest and evaluate new data sources for risk predictions

Qualifications

  • Statistical Reasoning
  • Design concise metrics and robust experimental design
  • Predictive machine learning model development
  • Business acumen for prioritizing problems and impact on financial performance and compliance
  • Engineering mindset for reliable, scalable code and tooling
  • Leadership and collaboration, strong stakeholder relationships
  • Focused execution with rigorous scoping and urgency
  • Open to diverse academic/professional backgrounds

Skills

Required:Statistical reasoningBusiness acumenEngineering mindset
Nice to have:Leadership and collaboration

Benefits

  • Salary: DS/Senior DS: $200k - $260k + EQ
  • Salary: Staff/Principal: $265k-330k+ EQ
  • Equity grant
  • Medical, dental & vision insurance
  • Work from home flexibility
  • Unlimited PTO
  • Commuter benefits
  • Free lunches
  • Paid parental leave
  • 401(k)
  • Employee assistance program
Last updated Jul 22, 2026. Interested? Apply on the company site.

About Parafin

A financing program, built for your platform

Parafin partners with platforms to deliver seamless, flexible access to financing, giving small businesses the capital they need to grow with confidence.

financingembedded financesmall businessescapitalspendpay over time
Company profileWebsite

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