Data Scientist

About Borrowell:
At Borrowell, we’re on a mission to help Canadians feel confident about their money. We empower individuals to take control of their financial futures by providing the tools and insights needed to understand, build, and use their credit effectively.

Trusted by 1 in 10 Canadians, Borrowell provides over 3 million members with comprehensive credit monitoring and personalized insights. Our innovative services, including Credit Builder and rent reporting, help consumers build credit so they can unlock access to a wider range of financial products at more competitive rates. Additionally, we offer personalized financial product recommendations from Canada’s most trusted providers based on each member’s credit profile and financial goals.

Our team is diverse, inclusive, and driven by a shared passion for making a meaningful difference in the lives of Canadians. We pride ourselves on fostering a culture of collaboration, humility, and innovation. If you’re looking to join a company that’s transforming the financial landscape and empowering Canadians to achieve their financial aspirations, we invite you to explore career opportunities at Borrowell. Together, we can help Canadians feel confident about money.

About the Role:

As a Data Scientist, you will collaborate closely with our Product, Business, Data, and Engineering teams to develop impactful data-driven solutions. Your work will help personalize the member experience, enhance our recommendation engine and drive key business decisions at Borrowell.

During your first year, you can expect to:

• Develop Business & Data Understanding – Learn Borrowell’s key metrics, member behaviors, and product ecosystem. Translate business needs into data problems.
• Analyze & Prepare Data – Conduct exploratory data analysis, ensure data quality, and build useful features for modeling.
• Build & Evaluate Models – Train and validate ML models and support key business decisions.
• Drive Business Impact – Present actionable insights, collaborate with stakeholders and contribute to data-driven decision-making.
• Take Initiative & Innovate – Work independently in a fast-paced environment, experiment with new ideas, and continuously enhance your skills.

Requirements

• 1+ years of experience building Data Science solutions from ideation to implementation.
• Proficiency in Python and related libraries for exploratory data analysis and modeling.
• Strong SQL skills – ability to write complex queries to extract, clean, and integrate data from multiple sources.
• Strong problem-solving skills and data intuition – ability to translate business challenges into data-driven solutions.
• Experience with supervised learning and handling class imbalances.
• Experience with A/B testing and experimentation frameworks.
• Effective communication skills – ability to present findings to both technical and non-technical stakeholders.
• Self-starter with a growth mindset – comfortable working in a fast-paced, collaborative environment with ambiguity.
• Familiarity with version control (e.g., Git)

Nice to Haves:

• Experience with recommendation systems, clustering, dimensionality reduction and NLP.
• Proficiency in DBT for data transformations and PySpark, SparkSQL, or other distributed computing frameworks for large-scale data processing.
• Experience with end-to-end ML workflows from ideation to productionalization.
• Experience with Looker or other BI tools for data visualization and reporting.
• Familiarity with Snowflake, Azure Databricks, or other cloud-based data platforms.
• Familiarity with MLOps tools (e.g., MLflow, Feature Stores).

Benefits

• The Opportunity - join and have a major impact at a growing company that is helping Canadians feel confident about money.

• Comprehensive Health Benefits - medical, dental, vision, and paramedical health benefits for you and your family, with extra yearly coverage for psychotherapists and massage therapists
• Additional Health Benefits - virtual benefit offering that allows you to connect 24/7 with nurses, doctors and mental health professionals
• Maternity & Parental Leave Top-up - available to new parents
• Wellness & Transit Benefit - $600 annually to spend on whatever brings you joy
• WFH Reimbursement - we ship you gear like a laptop, mouse, keyboard, and you can reimburse additional items to make your workplace better for you
• Employee Development Benefit - annual reimbursements on payments to help your learning
• Givewell Benefit - 1 paid volunteer day a year to give back to the community
• Flexibility - flexible working hours and a flexible vacation policy

We are remote-first across Canada with an office in Toronto. This role requires you to attend in-person meetings and team-building events.

At Borrowell, one of our core values and firm beliefs is that diversity makes us better. If you’re unsure about your qualifications for this position we’d still encourage you to apply. We’re looking for candidates who have experience but know that not everyone’s had a chance to demonstrate what they can do. What’s most important is that you have a growth mindset and care about helping people with their finances - an area in their lives that causes a lot of stress.

Please note that due to the sensitive nature of the work we do, clearing a credit and criminal record check is a condition of employment.

By submitting your application you consent to Borrowell's use and processing of your personal information in connection with your job application at Borrowell and its recruitment processes.

Borrowell encourages applications from candidates with differing abilities. Please let us know if you require accommodation at any stage in the selection process.