Senior and Staff Data Scientist - Credit and Lending ML
Mercury·San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States·Remote·Posted 4 November 2026
About the role
About a week before Hurricane Sandy made landfall, the two leading forecast models flatly disagreed: the American one carried the storm safely out into the Atlantic, the European one turned it hard left into New Jersey. The European model wasn't running a better simulation, it was running an ensemble. Hundreds of thousands of people were evacuated on the strength of the spread in forecast distribution, days before any single forecast could have justified moving them, and on October 29th, 2012, Sandy came ashore almost exactly where the models had put it. At Mercury, we're building the future of financial infrastructure for startups and growing businesses. We're extending credit to those businesses, and we're doing it with proprietary access to some of the best data for understanding a borrower's business, from bank transactions to financial reporting to payroll. We're looking for a Senior/Staff Data Scientists to turn that record into a lending decision, partnering closely with Credit, Product, and Engineering. In this role, you'll build and own the inference layer behind our small business lending program; you'll ship it into production with the monitoring and documentation that…
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