Data Scientist

About Borrowell:

At Borrowell, we're on a mission to help Canadians feel confident about their money. We empower individuals to take control of their financial futures by providing the tools and insights needed to understand, build, and use their credit effectively.

Trusted by 1 in 9 Canadians, Borrowell provides over 4 million members with comprehensive credit monitoring and personalized insights. Our innovative services, including Credit Builder and rent reporting, help consumers build credit so they can unlock access to a wider range of financial products at more competitive rates. Additionally, we offer personalized financial product recommendations from Canada's most trusted providers based on each member's credit profile and financial goals.

Our team is diverse, inclusive, and driven by a shared passion for making a meaningful difference in the lives of Canadians. We pride ourselves on fostering a culture of collaboration, humility, and innovation. If you're looking to join a company that's transforming the financial landscape and empowering Canadians to achieve their financial aspirations, we invite you to explore career opportunities at Borrowell. Together, we can help Canadians feel confident about money.

About the Role:

As a Data Scientist, you'll work closely with Product, Business, Data, and Engineering teams to help Borrowell make better decisions and build better experiences for our members. Your work may range from analyzing member behavior and evaluating experiments to developing recommendation systems and predictive models that improve marketplace performance.

This is a hands-on role with significant ownership. You'll work on problems from initial scoping through implementation, measurement, and iteration, partnering directly with stakeholders to understand the business problem before determining the right solution.

During your first year, you can expect to:

• Deliver measurable business impact - Own 1-2 end-to-end data science projects, from problem framing and analysis through implementation, measurement, and iteration
• Use data to solve business problems - Apply analytics, experimentation and machine learning where appropriate, while recognizing when a simpler solution is the better choice
• Contribute to Borrowell's personalization and recommendation systems - Help improve how products and experiences are matched to members across the marketplace and member lifecycle
• Partner closely with stakeholders - Work with Product, Business, Data, and Engineering teams to turn business questions into actionable insights and recommendations
• Help scale the team's capabilities - Contribute reusable datasets, features, documentation, monitoring, and processes that make it easier to build and maintain data products over time

Requirements

• 2+ years of experience applying data science, analytics and machine learning to solve real business problems
• Able to break down ambiguous business questions, identify the right data to use and recommend a practical path forward
• Experience building and evaluating predictive models, including feature engineering, model validation, and handling challenges such as class imbalance, leakage, and data quality issues
• Experience with experimentation and A/B testing, including defining hypotheses, choosing metrics, analyzing results, and explaining trade-offs
• Strong Python skills for exploratory analysis, feature engineering, experimentation and predictive modeling
• Strong SQL skills, including joining, cleaning and transforming data from multiple sources
• Strong written and verbal communication skills - able to clearly explain insights, recommendations, and trade-offs to both technical and non-technical audiences.
• Comfortable owning work independently in a fast-paced environment while collaborating closely with Product, Business, Data and Engineering teams

Nice to Haves:

• Experience working on recommendation, personalization, ranking, propensity or other predictive modeling use cases
• Experience supporting ML models after launch, including monitoring, iteration or deployment support
• Experience working with cloud data warehouses such as Snowflake, Databricks, BigQuery or Redshift
• Experience with Looker or other BI tools for analysis and stakeholder reporting
• Familiarity with dbt, PySpark, SparkSQL or other distributed data processing tools
• Familiarity with MLOps tooling (e.g., MLflow, Feature Stores, model monitoring)
• Experience in consumer technology, fintech, marketplaces or growth-oriented product environments

Benefits

• The Opportunity - join and have a major impact at a growing company that is helping make financial stability possible for everybody
• Comprehensive Health Benefits - medical, dental, vision, and paramedical health benefits for you and your family, with extra yearly coverage for psychotherapists and massage therapists
• Additional Health Benefits - virtual benefit offering that allows you to connect 24/7 with nurses, doctors and mental health professionals
• Maternity & Parental Leave Top-up - available to new parents
• WFH Reimbursement - we ship you gear like a laptop, mouse, keyboard, and you can reimburse additional items to make your workplace better for you
• Employee Development Benefit - annual reimbursements on payments to help your learning
• Givewell Benefit - 1 paid volunteer day a year to give back to the community
• Flexibility - flexible working hours and a flexible vacation policy

We are remote-first across Canada with an office in Toronto. This role will require you to attend in-person meetings and team-building events. While this role is remote, we are currently only able to hire candidates physically located in Ontario, BC, or Alberta.

At Borrowell, one of our core values and firm beliefs is that diversity makes us better. If you're unsure about your qualifications for this position, we'd still encourage you to apply. We're looking for candidates who have experience, but know that not everyone's had a chance to demonstrate what they can do. What's most important is that you have a growth mindset and care about helping people with their finances - an area in their lives that causes a lot of stress.

Please note that due to the sensitive nature of the work we do, clearing a credit and criminal record check is a condition of employment.

Borrowell encourages applications from candidates with differing abilities. Please let us know if you require accommodation at any stage in the selection process.

This posting represents a current and active vacancy within our organization.

The budgeted annual salary range for this role is $80,000 - $130,000 CAD. Starting pay is determined by the candidate's relevant experience and skills. In addition to base salary, this role is eligible for Borrowell's full benefits package.