Data Scientist

About Gerald

Paying bills sucks. It sucks even more for about a third of Americans living paycheck to paycheck, and struggling to pay bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills, and are forced to manually log into and pay up to 10 biller accounts each month. Why are so many people wasting their time and energy manually paying bills to avoid overdraft fees? Because they are not using Gerald!

Gerald is a Y Combinator-backed technology company based in New York. Our platform combines fintech, payments, and big data to create an empowering and rewarding user experience for making timely bill payments.

Read more about us here →

Our mission

Gerald is on a mission to eliminate stress about paying bills. Gerald provides consumers with overdraft and late fees protection for their household bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.

❓ Role Summary

The role requires a mix of strong technical expertise, engineering best practices, business engagement, hands-on architecture, projects delivery, and cross-team collaboration. In particular, as a Data Scientist in the Gerald Data Science team, you should possess an in-depth knowledge of object-relational mapping, experience with server-side logic, and knowledge of Python programming/scripting. You should have good understanding of machine learning models and data science concepts. You will also be responsible for writing and testing scalable code, developing back-end components, and integrating user-facing elements in collaboration with other developers. If you understand how to balance speed, long-term scalability and performance, want to contribute ideas and be part of a small team building a lot of things from scratch, this may be the opportunity for you.

• Location: Remote in US

⚡ What you'll do

• Build services that are part of our proprietary decision engine—the core of Gerald's product
• Develop statistical machine learning models and data pipelines to serve Gerald's decision engine
• Develop backend components to enhance performance, receptiveness, and server-side logic and constantly improve the platform
• Create RESTful APIs development using Python Flask or Django REST framework
• Understand, analyze, and implement business needs, feature modification requests and conversion into software components
• Demonstrate good DevOps practices
• Write efficient, reusable, testable, and scalable code
• Find scalable solutions to challenging technical problems
• Write technical documentation, lead code reviews and pair programming sessions
• Keep current with industry trends and developments that can be applied to company needs
• Be a technical leader within the team you work with and within Gerald in general

🎯 What we're looking for

• 3+ years of experience as a Python Developer
• Experience using various Python libraries, like Pandas, SciPy, Sklearn, Tensorflow, PyTorch, and tools, such as Jupyter
• Experience in developing AI/ML and data science modules
• Strong experience working with any SQL databases such as PostgreSQL is required. NoSQL database (such as MongoDB) experience will be an advantage.
• Experience in developing data engineering pipelines & ETL jobs
• Experience in building API and services and writing unit tests
• Proficient understanding of code versioning tools such as GitHub
• Experience in FinTech space is a super plus!
• Familiarity with Amazon Web Services (AWS) such EC2, S3, RDS, Athena, AWS Glue, etc.
• Knowledge of Docker and CI/CD is an additional advantage
• Bachelor's degree in Computer Science, Computer Engineering, or related field

🤗 Who you are

• Excellent written and verbal communication skills
• Strong attention to detail
• Head for problem-solving
• Having a flexible working style
• Being a team player
• Comfortable with working unsupervised

📐 Why Gerald?

1. Huge opportunity. About a third of Americans live paycheck to paycheck, and are struggling to pay their bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills. We have the ability to help a lot of people profitably.
2. Challenging problems. With every single customer that we onboard, it means we are dealing with millions of data records. The challenge is to scale up the product to handle so much data and process it efficiently, while taking all measures to ensure the security of the data. The goal is to make our system learn as quickly as possible so that it can give very accurate predictions when making suggestions related to consumers.
3. A great team. Our founding team has deep expertise in financial services, product engineering, data science, and machine learning, as well as degrees from MIT, Harvard, Columbia, Georgetown, and Yale. We try to take a scientific, data-driven approach whenever possible.
4. Culture. Having worked at high growth, early stage startups in the past, our team understands the value of work-life balance. We take weekends off and go on paid vacations.
5. Resources and growth. We're well capitalized with seed funding and are backed by Y Combinator and other top tier investors. We keep a lean team, and this is a rare opportunity to join us - you'll learn a lot, build cool products, and grow as our company scales!

🙌 What we offer

• Flexible working hours
• Generous paid vacation
• Work from home opportunity
• Opportunity as one of our first hires to take on significant responsibility and ownership in your department that will have a huge impact on the growth of the company