About Grain

Grain turns your debit card into a credit card by analyzing the cash flow in your linked checking account and generating a line of credit tailored just for you. We never run a credit check and we  don't issue a physical card. People use Grain as an alternative to a credit card to establish a credit history or ease their cash flow. 

We're challenging the notion that debit and revolving credit need to be distinct, siloed products. We believe that one should very much inform the other - one card with access to both.

We're a YC-backed and venture-funded startup. Since its launch, We have grown our customer base 42% MoM and 6x'd our revenue YoY. Grain has 30k+ reviews and a 4.7 rating on the App Store.

About You:

As Grain’s first Data Scientist, you will:

  • Perfect our underwriting through offline modeling and rely on engineering to productionize your models
  • Produce conversion funnel analyses and predictions based on data from customer behavior tied to our KPIs
  • Generate reports on customer behavior, funnel analysis, and financial data that will be leveraged to drive company direction
  • Present the “story” behind the data to leadership
  • Coordinate and advise on our fraud detection, prevention, and analysis framework
  • Work with the financial team to identify leading signals tied to our bottom line and improve financial projections
  • Recommend and advise on infrastructure, architecture, and tooling to better support data collection, analysis, and access at the company
  • Orchestrate the democratization of data across the company
  • Report directly to leadership
  • Ultimately own and drive data analytics at the company


  • 4-6 years of professional experience working as a data scientist, data analyst, machine learning engineer, or equivalent role
  • Desire to build a data driven culture and environment
  • Excellent written and oral communication in telling the story behind the data
  • Inquisitive and curious nature when it comes to looking at raw data
  • Autonomous and self-sufficient once given an objective and access
  • Organized and is sure to document steps taken to produce analyses for later use
  • Enjoys collaborating with different departments to achieve the same goals


  • Work experience in the financial space
  • Experience working at a startup

Our Stack

  • Python
  • Git
  • SQL
  • SciPy
  • Pandas
  • Familiar with SciKit, PyTorch, TensorFlow, Keras or the equivalent
  • Machine Learning/Deep Learning
  • Jupyter Notebook
  • Power Point, Keynote, Google Slides or equivalent

Benefits & Perks:

  • Medical
  • Dental
  • Vision
  • $1,500.00 professional development budget
  • Fitness/Wellness reimbursement
  • Internet reimbursement
  • Home office stipend
  • Unlimited PTO
  • Mental health days off
  • Annual company offsite

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