Machine Learning Data Scientist

Are you ready to build the future of our company?

About Mercury® Financial

Mercury® Financial is an innovative and growing financial services company with locations in both Austin, TX and Wilmington, DE. Our mission is to help customers build and maintain their financial future by offering them credit cards they can afford and understand. After only a few years, we’ve had great success building a significant credit card program, but we are aiming higher, which means we have lots of challenging problems for you to help us solve. Come onboard, work with some of the most talented individuals who thrive on collaboration and teamwork; and help us continue to build something special.

Location

Mercury® Financial is headquartered in the progressive and entrepreneurial tech hub of Austin, Texas. Our physical location is situated in a beautiful park like setting called the Domain. The Domain's ideal location and exceptional amenities, amazing restaurant selection and convenient parking, are all perfect for after work happy hours!

Or, 

Mercury® Financials' Wilmington, Delaware office is located near the Riverfront. Wilmington is Delaware’s largest city and is the economic engine of the state. The Riverfront combines its rich history with a host of attractions that bring great food, entertainment, and shopping to our city. Based on its convenient location, direct access to I-95, Amtrak and SEPTA, this location allows our employees the flexibility to live in a variety of the surrounding areas.

What it’s like to work here: 

We foster a collaborative and innovative culture where you will be empowered to do your best work. All of our employees bring everything they have to their job and are part of a larger team working towards a greater goal. We do right by our employees, our partners, and our customers.

Role: We are seeking a highly skilled and motivated Machine Learning Data Scientist to join our innovative team in driving advanced ML solutions across our credit card business. Reporting to the Head of Machine Learning, this role will focus on designing, developing, and deploying machine learning models to optimize credit decisioning, fraud prevention, customer segmentation, and marketing strategies. The ideal candidate will have strong technical expertise, a collaborative mindset, and the ability to translate business challenges into actionable ML solutions. Experience in financial services, especially in credit risk or fraud modeling, is highly preferred.

What a day is like:

Model Development & Deployment:

• Design, build, and refine machine learning models to support credit risk scoring, fraud detection, and marketing personalization.
• Leverage techniques like supervised and unsupervised learning, deep learning, and NLP to address complex business problems.
• Collaborate with data engineering teams to implement scalable pipelines for data processing, model training, and deployment.

Analytics & Insights:

• Perform exploratory data analysis to identify trends, patterns, and opportunities for improvement in business outcomes.
• Translate model outputs into actionable insights for cross-functional stakeholders.
• Contribute to the creation of dashboards and reports for ongoing model monitoring and performance evaluation.

Operational Efficiency:

• Automate repetitive tasks using AI/ML to enhance operational workflows.
• Optimize existing models to improve processing speed, scalability, and accuracy.

Cross-Functional Collaboration:

• Work closely with credit risk, fraud, marketing, and technology teams to ensure ML solutions align with business needs.
• Support the Head of Machine Learning in presenting findings and recommendations to stakeholders.

Compliance & Governance:

• Ensure models adhere to relevant regulatory requirements, such as FCRA and other compliance standards.
• Implement explainable AI techniques to ensure transparency and fairness in decision-making.

Continuous Learning & Innovation:

• Stay updated on the latest ML research and industry best practices to bring cutting-edge solutions to the organization.
• Participate in brainstorming sessions and contribute to the strategic direction of ML initiatives.

You’re perfect for this role if you have: 

• Bachelor’s degree or higher in Statistics, Mathematics, Operations Research, Computer Science, or related field is required
• Master’s degree or higher in Statistics, Mathematics, Operations Research, Computer Science, or related field is preferred
• Demonstrated machine learning experience
• Python experience is required
• Pyspark and Git experience is preferred
• SQL experience is preferred
• Knowledge of consumer financing industry (e.g., auto, credit card) is preferred

Why you’ll like working here:

This isn’t a place where you will fill a seat and keep your head down. This is a place where everybody is expected to help build something. This is a place where you can be involved and lead in your areas of expertise. So, how much do you believe in yourself? If you believe in your skills, in your drive and determination, we’ll give you the resources and room to show the world what you can do. Here are just a few of the benefits we offer:

• Employer insurance coverage for employee & dependents 
• Life insurance 
• 401K with generous employer match 
• Wellness program
• Monthly Company Events  
• Hybrid Work Model 

Mercury® Financial is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status as a protected veteran, among other things, or status as a qualified individual with disability.