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.
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
Familiar with SciKit, PyTorch, TensorFlow, Keras or the equivalent