Uncubed

Principal Data Scientist

LendUp, San Francisco, CA

Our mission is to provide anyone with a path to better financial health.


LendUp builds technology, credit products, and educational experiences for the 56% of the adults in the US, who are currently shut out of mainstream banking because of poor credit or volatile income. That’s a lot of hardworking, deserving people who we believe did not have good options, until now.

Our mission is to provide anyone with a path to better financial health. Being a socially responsible, machine learning-enabled financial services company is a big job, but we’re driven by the challenge. Now in our sixth year, we’re growing each and every day as we continue to bring our mission to life. Join our passionate team and help us turn our mission into a movement.

LendUp is headquartered in downtown San Francisco with an office in Richmond, VA. We’re backed by prominent Silicon Valley investors including Y-Combinator, Google Ventures, PayPal, Susa Ventures, Data Collective, Kleiner Perkins, Andreessen Horowitz Seed Fund, Kapor Capital, QED, Eagle Cliff Investors, Thomvest Ventures, Alexis Ohanian, Troy Carter, and many others.

About the role:

You’ll power decisions at the core of LendUp’s offering of financial services: Marketing,  Credit Risk, Customer Value, Operations and more. We want you to apply the best modeling and analytical techniques and help us find a way to help the tens of millions of Americans banks won’t lend to.

You will:

  • Be responsible for end-to-end model development and implementation to take models from prototype to production
  • Develop and apply advanced machine learning modelling and statistical techniques
  • Work across the entire company, from listening to customers to pitching ideas to the CEO
  • Work on and guide others on every aspect of the modeling problem: data wrangling, feature engineering, target definition, model -specification, -estimation and -comparison, performance evaluation, policy development, implementation and monitoring
  • Build solutions that are accurate, efficient, scalable and directly implemented — from SQL and Python or R to Airflow
  • Learn from some of the smartest, most experienced, scientists and engineers in the world

You have:

  • Over 4 years of experience in a Data Scientist role
  • Proficiency in Python, R, or similar
  • Comfortable building and deploying production models
  • A technical background, for example a BS, MS, PhD, or similar work experience
  • A drive to learn fast, be creative, and win as a team
  • Ability to write production quality code
  • Experience with distributed computing frameworks like Hadoop or Spark

We have:

LendUp has all of the things you’d expect, like a competitive salary; early stage equity; 100% company paid medical, dental and vision insurance; generous vacation/sick leave policy; catered, free lunch; fully stocked kitchens with free healthy snacks; free onsite gym; and a 401(k) program.

But here’s what we really love about life at LendUp:

  • We are driven by having a lasting impact on the world and knowing that our time is spent positively impacting the lives of others. We are strategists and doers, because we know that both matter when it comes to achieving our lofty mission.
  • One of our values is “Different Backgrounds, Same Mission”. We’re committed to a diverse and inclusive culture that spurs innovation and creates a meaningful and impactful work environment. We are passionate participants in our employee resource groups (LeanIn, LGBTQ & Allies, and Black Ladders) and have Slack channels dedicated to everything from philosophy to sports to hip-hop
  • We have fun together at our weekly happy hours, quarterly team building events, company-sponsored volunteerism, hackathons, and sports teams.
  • Our dog-friendly SF office.

LendUp is an Equal Opportunity Employer

We extend equal employment opportunities to qualified applicants and employees on an equal basis regardless of an individual's age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition, or any other reason protected by law.

About LendUp

ABOUT LENDUP We believe access to quality credit is a right for everyone. Even those that banks won’t approve. Forty-seven percent of Americans could not cover a $400 emergency expense (or would have to borrow money or sell their belongings to do so). In addition, over half of the U.S. has a FICO score below 680, meaning they can’t be approved for credit by most banks according to a 2015 Federal Reserve Board study. That’s more than 150 million people who don’t have enough access to credit, leaving them unprepared to handle a car repair, hospital visit, or even an electricity bill coming due before a paycheck clears. Most options for this consumer segment aren’t linked to the formal financial sector, and the options that do exist don’t help people build the credit score necessary to open the door to more choices. So they continue to just get by — but they never get ahead. Worse, estimates from Credit Builders Alliance show that people with a low credit score will pay $250,000 more for financial services over the course of their lives. We want to fix that. We believe credit can provide peace of mind. Relief. Room to breathe. And room to grow. So our vision for our customers in eligible states is universal access to credit that expands over time — and along the way, we give them the chance to improve their credit scores, too.

Want to learn more about LendUp? Visit LendUp's website.