Job Description

Varo is an entirely new kind of bank. All digital mission-driven FDIC insured and designed for the way our customers live their lives. A bank for all of us.

We are looking for an inspiring and technically deep Head of Data Science to lead our team in leveraging advanced analytics machine learning and causal inference to catalyze decision-making and propel Varos growth. You will lead the Data Science function within Varos comprehensive Data organization (which includes Data Analytics Data Product Management Data Engineering and ML Engineering). Your team will be the strategic partner and technical engine for solving our most complex business challenges across key verticals like customer acquisition engagement fraud prevention and responsible lending.

What youll be doing

• Strategic Ownership: Define own and drive the comprehensive Data Science roadmap (including AI/ML and causal inference) that directly translates into commercial outcomes across Varos core business verticals.
• Model Innovation & Delivery: Lead the development validation and production deployment of custom machine learning and statistical models that are critical for decision-making.
• Business Partnership: Serve as a strategic data consultant to executive leaders and business stakeholders translating ambiguous commercial problems into rigorous analytical frameworks and actionable solutions.
• Data Integrity & Risk: Work closely with Data Engineering and Product teams to ensure the quality accessibility and lineage of new data sources. Ensure all models and analyses adhere to Varos risk framework and regulatory requirements for fairness and transparency.
• Operational Excellence: Establish and own the ML Model Performance Monitoring processes ensuring deployed models maintain accuracy and business impact over time and are governed appropriately.
• Team Leadership & Mentorship: Attract hire mentor and coach a high-performing team of Data Scientists setting a high bar for technical rigor business acumen and cross-functional collaboration.

Youll bring the following required skills and experiences

• 8 years of experience in Data Science Applied Science or a related quantitative field.
• Deep Domain Expertise: Proven track record of delivering measurable business impact in at least one key financial services domain (e.g. credit/lending fraud/risk modeling or customer growth/engagement).
• Technical Fluency: Expert-level proficiency in Python and its scientific computing stack (Pandas Scikit-learn PyTorch/TensorFlow). Proven ability to apply a wide range of statistical methods machine learning algorithms and causal inference techniques to large real-world datasets.
• Data Ecosystem Experience: Hands-on experience working with distributed data and computing tools (e.g. Spark Hive ) and cloud web services (e.g. AWS GCP or Azure ).
• Leadership Acumen: Demonstrated ability to thrive in a fast-paced environment attract high-quality talent and drive a data-informed culture.

$250000 - $300000 a year

For cash compensation we set standard ranges for all US-based roles based on function level and geographic location benchmarked against similar-stage growth companies. Per applicable law the salary range for this role is $250000 - $300000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.

This role is also eligible for a bonus equity and competitive benefits.

We recognize not everyone will have all of these requirements. If you meet most of the criteria above and youre excited about the opportunity and willing to learn wed love to hear from you!

About Varo

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. Were a new kind of bank all-digital mission-driven FDIC-insured and designed around the modern American consumer.

As the first consumer fintech to be granted a national bank charter in 2020 we make financial inclusion and opportunity for all a reality by empowering everyone with the products insights and support they need to get ahead. Through our core product offerings and suite of customer-first features we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system.

Learn more about Varo by following us:

Facebook - - - is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds perspectives and skills. All applicants will be considered for employment without attention to race color religion sex sexual orientation gender identity national origin veteran or disability status.

Beware of fraudulent job postings!

Varo will never ask for payment to process documents refer you to a third party to process applications or visas or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer please e-mail emailprotected with the pertinent information and contact information.

CCPA Notice at Collection for California Employees and Applicants:

may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed please contact us.

Required Experience:

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