Principal Data Scientist – Remote Leader in Advanced Analytics, Machine Learning & Strategic Insights for Digital Banking & Payments

Why Join Workwarp?

At Workwarp, we’re redefining the future of digital banking and payments. Our mission is to empower millions of consumers worldwide to make smarter financial decisions through innovative technology, data‑driven insights, and an unwavering commitment to security and convenience. As a remote‑first organization, we celebrate flexibility, champion diversity, and foster a collaborative culture where every voice matters.

Our core values – Play to Win, Get Better Every Day, and Succeed Together – are more than slogans; they guide every decision we make, every product we launch, and every team member we empower. When you join Workwarp, you’ll become part of a community that values curiosity, celebrates breakthroughs, and invests in your personal and professional growth.

Position Overview

We are seeking a visionary Remote Principal Data Scientist to spearhead our analytical agenda and drive high‑impact, data‑centric solutions across the organization. In this senior leadership role, you will partner directly with executive stakeholders, shape the strategic direction of our analytics initiatives, and mentor a growing team of data professionals. Your work will influence product development, risk management, marketing optimization, and customer experience – all while helping millions of users achieve a brighter financial future.

Key Responsibilities

• Strategic Thought Leadership: Translate complex business challenges into robust analytical frameworks, develop roadmaps, and champion data‑driven decision making at the highest levels of the organization.
• Advanced Analytics Design & Execution: Own end‑to‑end development of predictive models, segmentation strategies, prescriptive analytics, and machine‑learning pipelines that address credit risk, fraud detection, marketing ROI, and operational efficiency.
• Performance Monitoring & Optimization: Build, maintain, and interpret key performance indicators (KPIs) and dashboards, continuously testing hypotheses, running A/B experiments, and iterating on solutions to improve outcomes.
• Risk & Issue Management: Proactively identify, assess, and mitigate data‑related risks, escalating critical issues to senior leadership and ensuring compliance with regulatory standards.
• Cross‑Functional Collaboration: Partner with product, engineering, finance, risk, and customer success teams to uncover insights, prioritize initiatives, and deliver actionable recommendations.
• Mentorship & Talent Development: Lead, coach, and inspire a high‑performing analytics team, fostering a culture of continuous learning, knowledge sharing, and technical excellence.
• Innovation & Thought Leadership: Stay ahead of emerging trends in AI/ML, big data, and statistical methods, evaluating new tools and techniques to maintain Workwarp’s competitive edge.
• Presentation & Storytelling: Craft compelling visualizations and narratives that translate sophisticated analytics into clear, impactful stories for executives and non‑technical audiences.
• Data Governance & Ethics: Champion best practices for data quality, privacy, and ethical AI, ensuring all solutions align with legal requirements and corporate responsibility standards.

Essential Qualifications

• Education: Bachelor’s degree in Statistics, Computer Science, Engineering, Applied Mathematics, or a related quantitative discipline (Master’s or Ph.D. preferred).
• Professional Experience: Minimum 6 years of hands‑on experience in data science, analytics, or statistical modeling within financial services, fintech, or related industries, with a strong focus on credit risk, fraud detection, marketing analytics, or operations optimization.
• Technical Proficiency: Expert-level knowledge of Python (including libraries such as pandas, scikit‑learn, TensorFlow/PyTorch), SQL for data extraction and manipulation, and statistical packages (R, SAS, or similar).
• Modeling Expertise: Proven track record designing, validating, and deploying production‑grade predictive models, including regression, classification, clustering, and time‑series forecasting.
• Experimental Design: Deep understanding of hypothesis testing, A/B testing, and causal inference techniques, with experience translating results into business actions.
• Communication Skills: Exceptional ability to explain complex technical concepts to both technical and non‑technical stakeholders, complemented by strong written and verbal presentation skills.
• Leadership Acumen: Demonstrated experience leading cross‑functional projects, mentoring junior analysts, and influencing senior leadership decisions.
• Remote Work Discipline: Proven success thriving in a fully remote environment, with effective time management, self‑motivation, and collaborative tools expertise (e.g., Slack, Zoom, Confluence).

Preferred Qualifications & Bonus Points

• Master’s or Ph.D. in a quantitative discipline, with research publications in top‑tier conferences or journals.
• Hands‑on experience building and maintaining large‑scale data pipelines using cloud platforms (AWS, GCP, Azure) and orchestration tools (Airflow, Prefect).
• Familiarity with containerization (Docker, Kubernetes) and MLOps practices for model deployment and monitoring.
• Experience developing and supporting deposit balance models, credit scoring systems, or real‑time fraud detection engines.
• Knowledge of modern data visualization tools (Tableau, Power BI, Looker, or open‑source alternatives) and storytelling best practices.
• Professional certifications (e.g., AWS Certified Machine Learning – Specialty, Certified Analytics Professional).

Core Skills & Competencies

• Analytical Thinking: Ability to dissect complex problems, identify root causes, and synthesize data‑driven insights.
• Strategic Vision: Capacity to align analytics initiatives with broader business objectives and long‑term growth strategies.
• Software Engineering Mindset: Clean, modular code development, version control (Git), and test‑driven practices.
• Collaboration: Strong interpersonal skills, empathy, and openness to diverse perspectives.
• Adaptability: Comfort navigating ambiguity, shifting priorities, and rapid technological change.
• Ethics & Integrity: Commitment to responsible AI, data privacy, and regulatory compliance.

Career Growth & Learning Opportunities

Workwarp invests heavily in the ongoing development of its talent. As a Principal Data Scientist, you will have access to:

• Continuous Education Stipends: Annual budgets for conferences, workshops, online courses, and certifications.
• Mentorship Programs: Opportunities to both mentor junior staff and receive guidance from senior executives and external thought leaders.
• Innovation Labs: Dedicated time each quarter to explore emerging technologies, prototype novel solutions, and contribute to internal hackathons.
• Leadership Pathways: Clear tracks toward senior director, VP, or Chief Data Officer roles based on performance and impact.
• Cross‑Domain Exposure: Rotational projects across product, risk, and marketing functions to broaden expertise and influence.

Work Environment & Culture

Our remote‑first philosophy means you can work from anywhere in the United States while staying fully connected to the team. We provide:

• Collaborative Tools: State‑of‑the‑art platforms (Slack, Microsoft Teams, Miro, Asana) that keep communication fluid and transparent.
• Inclusive Culture: Employee resource groups, regular diversity & inclusion training, and a leadership team that models equitable practices.
• Well‑Being Programs: Mental health resources, virtual fitness classes, and flexible scheduling to support work‑life harmony.
• Recognition Framework: Quarterly awards, peer‑nominated accolades, and performance‑based incentives that celebrate achievements.

Compensation, Perks & Benefits

Workwarp offers a competitive total rewards package designed to attract and retain top talent.

• Base Salary: Ranges from $126,500 to $177,300 annually, commensurate with experience, education, and location.
• Performance Bonuses: Targeted annual incentive plans aligned with individual and company objectives.
• Equity Participation: Employee stock purchase plan (ESPP) and potential restricted stock units (RSUs) for long‑term ownership.
• Retirement Savings: 401(k) plan with company match to help you build a secure future.
• Health & Wellness: Comprehensive medical, dental, vision coverage, plus Health Savings Account (HSA) options.
• Paid Time Off: Generous vacation, sick leave, and paid parental leave to recharge and care for loved ones.
• Learning & Development: Tuition assistance, certification reimbursements, and access to a curated library of courses.
• Flexible Work Arrangement: Fully remote role with a home‑office stipend for ergonomic equipment and internet costs.
• Community Impact: Volunteer time off and company‑supported charitable initiatives.

Application Process & Next Steps

Ready to make a tangible impact on the future of digital finance? Follow these steps to apply:

1. Submit Your Resume & Cover Letter: Highlight your most relevant projects, technical expertise, and leadership experience.
2. Complete a Short Online Assessment: Demonstrates your analytical approach and problem‑solving style.
3. Engage in a Series of Interviews: Including a technical deep‑dive, a leadership conversation, and a cultural fit interview with senior executives.
4. Receive an Offer: We’ll discuss compensation, benefits, and growth plans tailored to your aspirations.

Workwarp is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Candidates of any background, identity, veteran status, or disability are encouraged to apply. If you require a reasonable accommodation during the recruitment process, please contact [email protected].

Join Us & Build the Future

This is more than a job – it’s a chance to shape the financial lives of millions, drive groundbreaking analytics, and grow alongside a world‑class team. If you thrive on solving complex problems, leading innovative initiatives, and mentoring top talent, we want to hear from you.

Apply today and become a catalyst for change at Workwarp!