Senior Data Scientist

Palo Alto, CA

Step is a next-generation financial services company building the best banking experience to help teens and young adults achieve financial independence and knowledge at an earlier age. Step’s mission is to create a bank that gives you the tools to become smarter with your money and reward you along your financial journey. Step is a well-funded Series B company focused on disrupting banking through a differentiated mobile-first consumer experience. The founding team has an extensive background in FinTech and building successful consumer products and brands. If you’re looking to join a fast-growing company with a strong mission and vision that puts people first, we want to meet you.

The Role

Step is looking for an experienced Senior Data Scientist working on all parts of the business: Risk, Growth, Customer Experience to name a few.

Things You Will Work On

  • Fraud detection algorithms and systems that protect Step and its customers from fraud and financial loss. You will work with our fraud experts to understand all the details of what’s working well and where we need to fill gaps, and help build an in-house decisioning platform to quickly test, improve, ship, and track models.
  • Systems to identify behavioral patterns among our users and match with correct incentives and recommendations.
  • Systems to cleanse, classify and deduplicate metadata from a large dataset of financial transactions.


  • Collect and define requirements for data-driven projects across all company's needs.
  • Design and implement data solutions from the ground up to help drive strategic business decisions.
  • Leverage both new and existing data to increase the effectiveness and efficiency of our risk infrastructure.
  • Design and implement predictive models as part of overall solutions.
  • Specify, design, build and test data processing software.
  • Partner with operations to quickly respond to rapidly evolving events.
  • Help build the next generation of data products at Step.

Ideal Candidate Would Have

  • 6+ years experience in data engineering or data science.
  • A graduate degree in statistics, applied mathematics, computer science, physical sciences, or a similar technical field.
  • Ability to communicate clearly with both technical and non-technical audiences.
  • Excellent data analysis skills.
  • Bias towards simple solutions that work.
  • Experience working on financial systems, fraud and risk modeling.
  • Experience developing and deploying machine learning models.

Working at Step

  • Competitive salary based on experience, with full medical and dental benefits
  • Stock in an early stage startup that is growing
  • Flexible WFH and vacation policy
  • Free daily lunches
  • Free snacks & drinks 
  • Monthly team events outside the office
  • Monthly stipend for commuter benefits and card testing
  • Office right next to Caltrain

The team

Step was founded by financial industry veterans CJ MacDonald and Alexey Kalinichenko to provide teens and their families with financial tools for today’s modern-day banking needs and to promote financial literacy for the future. The founding team has 50+ years in combined financial technology experience across companies like Gyft, First Data, Square and Google.

About the team