Senior Data Scientist - Payments (Inference)

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role We’re looking for a Senior Applied Scientist to help drive the future of credit applied science at Ramp. In this role, you will design, build, and optimize the models that power our credit risk systems, helping us make faster, smarter, and more scalable risk decisions for our customers. You’ll work at the intersection of machine learning, statistics, economics, and product strategy. This role requires strong technical depth as well as close collaboration with business, product, data, and engineering partners. You will help identify high-impact opportunities, translate ambiguous business problems into rigorous modeling work, and ship models that operate reliably in production. Applied scientists at Ramp focus on solving quantitative problems across credit, fraud, growth, and our core product by applying the right mix of machine learning, causal inference, structural modeling, and optimization. What You'll Do Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp Own the

At Lyft, our purpose is to serve and connect. We aim to achieve this by cultivating a work environment where all team members belong and have the opportunity to thrive. Our team is dedicated to creating a seamless and secure experience for our riders and drivers, ensuring their identity and data are protected at all times. As a Senior Product Designer, you'll lead the design of solutions that help drivers understand their earnings and get paid securely while protecting our communities from fraud. You will work closely with cross-functional teams, including product managers, designers, engineers, and data scientists, to create intuitive and effective designs on driver payments and complex security challenges. You’ll advocate for a customer-centric approach and thrive in a dynamic, fast-paced environment. From initial ideation through to launch, you'll support projects with interaction, visual, and product thinking skills, helping to define and deliver impactful experiences for our Payment, Identity and Integrity teams. The Opportunity Design features that help drivers understand their earnings, access their pay, and resolve payment issues efficiently Lead end-to-end design for driver earnings and identity verification experiences, from research and ideation through execution Play a critical role in designing solutions that protect our users and enhance their trust in our platform Collaborate with cross-functional partners to design intuitive and effective designs that address unique rideshare driver, identity and fraud challenges Responsibilities: Problem solve, think big, and explore divergent concepts/ideas while understanding how to converge and build iteratively towards your vision. Influence the shape of the product with research and data while executing design work using high quality wireframes, mockups, user journeys, and cross-platform interactive prototypes. Advocate for design by sharing your work and presenting cross-functionally, while being able to

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Senior Data Scientist-2 Overview Product Data & Analytics is a centralized global team that enables Mastercard product business units to make better data‑driven decisions. We build internal analytics partnerships that strengthen focus on business performance, portfolio and revenue optimization, initiative tracking, new product development, and go‑to‑market strategies. These capabilities are underpinned by our data platforms that enable insights to be delivered in a standardized, scalable, and cost‑efficient manner. Key Responsibilities Strategic Support • Design and implement value enablement frameworks that optimize pricing strategies, enhance pre-sales propositions, and ensure customer success. • Collaborate with global and regional teams to tailor solutions that meet regional business needs and align with Mastercard's objectives. • Provide data-driven insights and recommendations to optimize pricing, pre-sales strategies, and customer success outcomes. • Develop frameworks, project structures, and presentations to communicate key strategic initiatives. • Conduct data integrity checks and ensure quality and reliability in data used for analysis. • Translate complex business problems into analytical solutions that support strategic decision-making. Technical Leadersh

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

Airbnb was born in 2007 when two hosts welcomed three guests to their San Francisco home, and has since grown to over 5 million hosts who have welcomed over 2 billion guest arrivals in almost every country across the globe. Every day, hosts offer unique stays and experiences that make it possible for guests to connect with communities in a more authentic way. The Community You Will Join: We’re looking for people who know and use Airbnb and believe in what we’re trying to accomplish. Airbnb is a marketplace that connects guests and hosts, and Payments is central to creating the trust that makes every transaction possible. The Platform team plays the role of conductor, leveraging AI prototyping to bring together engineers, designers, and data scientists to build great product experiences. Our Payments Platform Managers define and execute roadmaps for their product areas, translating organizational priorities into clear plans, requirements, and measurable outcomes. The Difference You Will Make: We are building foundational platform capabilities that require expertise and experience with digital wallets and identity services, and how they interact with payment services for our guests and hosts across the world. The Senior Platform Manager, Accounts will help shape the product vision, strategy, and roadmap for the Payment Accounts area, and lead execution of cross-functional initiatives with partner teams across Payments, Trust, Guest & Host, and Compliance. This is a highly strategic role with a mandate to define and build new platform capabilities and initiatives from the ground up. You will own how this platform scales to many different guest and host use cases, and support business outcomes on guest and host services. You will partner with a cross-functional team of engineers, designers, data scientists, marketplace businesses and operations to build and scale these capabilities. You will also work closely with external enterprise partners and identit

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. Position Summary The Lead, Senior Decision Scientist serves as a strategic analytics and ideation leader supporting Payment Integrity Affordability initiatives with a primary focus on Fraud, Waste & Error (FWE) and Special Investigations Unit (SIU) programs. This role provides leadership and guidance to a team of Decision Scientists while driving the development, evaluation, and implementation of innovative opportunities that improve affordability outcomes and strengthen Payment Integrity capabilities. The Lead Decision Scientist is responsible for establishing analytical frameworks, managing ideation pipelines, defining success metrics, and identifying cross-functional opportunities that create enterprise value across Payment Integrity programs. Required Qualifications 7+ years of experience in healthcare analytics, Payment Integrity, Fraud, Waste & Error (FWE), Special Investigations, or related healthcare operations. 5+ years of experience leading analytical projects or providing technical leadership within a healthcare environment. Demonstrated experience working with healthcare claims platforms including ACAS, QNXT, HRP, or comparable systems. Experience using SAS, SQL, Python, R, or other analytical and statistical programming languages. Experience performing advanced data analysis, opportunity identification, trend analy