Today, over 100 million Americans don’t want or can’t get a credit card. Yet, there are very few alternatives for establishing your credit other than with a risky Credit Card. Our mission is to make credit building safer, smarter, and more accessible for everyone. Extra is the first debit card that builds your credit history and earns rewards points just like a credit card. Our technology uses your cash history to determine your spending limit, so there’s no need for a credit check.
(We couldn’t believe this didn’t already exist either)
Extra is run by a small, lean, and customer-obsessed team. Our crew has been responsible for internet sensations like Down to Shop, Try Not to Smile, and Coasterville — We are funded by some of the best consumer venture firms including Greycroft, Lerer Hippeau, Firstmark Capital, and more. As of recent, our cofounders Max and Cyrus made the Forbes 30 Under 30 List in 2020.
What we're looking for
A great Data Scientist has the ability to tease the hidden truths out a dirty, messy mass of real-world data. If you’re someone who revels in the Eureka! moment that comes from back tests, regression analysis, formulating hypotheses, and shooting them full of hole--you may be just what we’re looking for.
What you'll do
Drive improvements in overall reduction in uncollectible funds losses
Use a variety of alternative data sources to identify factors that can be used to predict risk
Create and validate hypotheses, design back tests, and live experiments
Work with engineering to operationalize insights and realize performance improvements
Minimum Basic Requirements
5+ years of experience in a data science position
Masters degree or PhD in Math, Statistics, Engineering or a related field
Expertise backend engineering using Python, Node.js or Julia
A proven track record of using data to drive business results
Expert in probability, statistical inference, optimization algorithms, linear algebra, and calculus
Understanding of best-practice financial risk models
Not your role, but passionate about what we're doing? We'd still love to hear from you. Extra is always looking to hire exceptionally talented people who want to help change the future of wealth creation.