---
title: 'Data Scientist (NYC, L5/L6) at Nelo'
canonical: 'https://feeny.ai/job/data-scientist-nyc-l5-l6-nelo-new-york-jheecfeah73h'
type: 'job'
last_seen: '2026-09-10'
---

# Data Scientist (NYC, L5/L6) at Nelo

- **Company:** Nelo
- **Location:** New York, NY
- **Compensation:** $180k–$230k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-01-23
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/nelo/c4cc5f6f-09f1-4697-b3cd-ef22812d5e97

## Job description

## About Nelo

Nelo is a leading fintech in Mexico reimagining credit to expand consumer buying power. Founded in 2019 by former Uber international growth team leads Kyle Miller and Stephen Hebson, Nelo offers credit cards, BNPL loans, bill payments, and its own marketplace — all under one app — designed from first principles for a mobile-first, real-time payments world. With $100M in annual revenue, $1B in annualized GMV, and $140M+ raised in equity and debt, Nelo is one of the most capital-efficient consumer fintech companies in Latin America. The company is profitable — positive operating profit in both 2024 and 2025. It runs lean and technical: 60 employees, 8 engineers, with AI driving underwriting, collections, and operations.

- HQ: Mexico City, Mexico; commercial and people operations in New York City
- Founded: 2019
- Team size: 60 FTEs
- Open roles: 10+
- Website: [nelo.mx](http://nelo.mx)
- Stage: Post-Series A; $100M credit facility (Victory Park Capital, 2022); profitable
- Benefits: 401k, open PTO, medical, dental, vision, STD, LTD, fertility

Company values:

- Be your best selves: ambition, hard work, intellectual curiosity
- Everyone is an owner: all employees receive equity including customer support; 10-year option expiration; equity refreshers
- Customer first: product decisions grounded in customer benefit
- Open and honest communication: quarterly financials and board presentations shared company-wide; low tolerance for bureaucracy or gossip
- Move fast, learn fast: hundreds of experiments run monthly; rigorous experimentation culture

## About The Role

As a data scientist at Nelo, you will be responsible for optimizing the overall performance of our credit and marketplace products. Specifically, you will

- Develop machine learning and causality models upon which Nelo will make underwriting and portfolio management decisions
- Create credit, personalization, ranking, and pricing algorithms
- Design and analyze continuous experiments to provide insights and guide product and algorithm decisions
- Lead machine learning infrastructure projects, including machine learning operations and observability

This role requires a deep knowledge of machine learning and statistics. Cross-functional collaboration is also needed. We are looking for someone with a strong technical background and clarity of thought. You should be a great communicator and have the ability to drive impact based on your analyses. This role is in-office in New York City. Requirements:

- 5+ years of data science experience
- Deep understanding of classification models, forecasting models and ML techniques
- Deep understanding of causal inference, experiment design and measurements
- Deep understanding of optimization, including familiarity with formulating and solving constrained optimization problems
- Advanced with SQL and Python

Compensation and Benefits:

- Very competitive salary and equity
- 100% medical, dental & vision insurance coverage for you; 50% for dependents
- Unlimited PTO
- 401(k)
- Extended maternity and paternity leave
- Relocation support
- Sabbatical program

## About Nelo

## Company Overview
- **One-liner**: Nelo provides buy now, pay later (BNPL) credit solutions for purchases, bill payments, and cash withdrawals to Mexican consumers via its mobile app.
- **Entity Type**: Private (line of credit stage; total raised $123M)
- **Headquarters**: Mexico City, Mexico (Avenida Paseo de la Reforma 296, Col. Juárez)
- **Founded**: 2019
- **Founders**: Not publicly disclosed from available search results

## Core Business
- **Primary industry**: Financial services – consumer credit / BNPL / fintech
- **Target customers**: B2C – primarily Mexican consumers seeking credit to buy products, pay utilities, or access cash in biweekly installments
- **Mission/purpose**: Enable financial access for underserved populations; simplify credit through mobile-first technology

## Products & Services
- **BNPL (Buy Now, Pay Later)**: Credit for in-app purchases at online and physical stores; pay in biweekly installments (“quincenas”) with zero interest.
- **Bill Payments (“Servicios y recargas”)**: Pay CFE (electricity), water, gas, internet bills, and mobile recharges in installments via the app.
- **Cash Withdrawals**: Withdraw cash against credit limit from partner ATMs/locations.
- **Nelo VIP Physical Card**: Plastic card for VIP users to spend at any merchant accepting card payments.
- **Credit History Building**: Nelo reports payments to credit bureaus, helping users build a formal credit history.

## Market Standing
- **Valuation**: Not disclosed (private company)
- **Key funding**: Total raised $123M, including a $100M debt facility / line of credit from Victory Park Capital (announced March 2024)
- **Notable investors**: Victory Park Capital, Crossbeam Venture Partners, Susa Ventures, Homebrew, Primer Capital, and 16+ others
- **Growth signals**: Over 35 million credits granted; 2+ million users; recent partnership with Paymentology to boost financial inclusion; rapid headcount growth across Mexico City and New York offices

## Competitive Advantages
- **First-mover focus on “quincenas”** – biweekly payment model aligned with Mexican pay cycles
- **Deep integration with local payment infrastructure** (Google Wallet, bill payment systems)
- **Data-driven credit scoring** using alternative data to serve the underbanked
- **Small, agile team** that ships quickly and operates as “AI First” (from career page)

## Strategic Focus
- **Expand product ecosystem** (physical card, cash, services beyond retail)
- **Scale credit line and improve underwriting** to manage risk while growing loan book
- **Expand in Mexico** and potentially other Latin American markets
- **Continue hiring across data, engineering, and risk** to support growth (open roles in NYC and CDMX)

## Why Work Here
- **Culture**: “Small team, big results” – every employee is an equity holder; everyone is empowered to ship code (including non-engineering roles)
- **Locations**: Hybrid/remote-friendly with offices in Mexico City (CDMX) and New York City; team-wide meetups at least twice a year
- **Notable perks**: Equity for all, focus on personal growth, “AI First” approach, and a high degree of ownership
- **Engineering culture**: Ship fast, iterate, and learn; roles include Senior Software Engineer, Data Scientist, and Senior Security Engineer

## Sources
1. [nelo.mx (Homepage)](https://www.nelo.mx/es)
2. [nelo.mx (Careers Page)](https://www.nelo.mx/en/trabaja-en-nelo)
3. [jobs.ashbyhq.com (Open Positions)](https://jobs.ashbyhq.com/nelo)
4. [cbinsights.com (Company Profile)](https://www.cbinsights.com/company/nelo)

## Other roles at Nelo

- [Senior Data Engineer](https://feeny.ai/job/senior-data-engineer-nelo-mexico-city-rdvx7tz6atwf) — Mexico City, Mexico
- [Frontend Engineer](https://feeny.ai/job/frontend-engineer-nelo-mexico-city-kyf3p6bd7wxw) — Mexico City, Mexico
- [Member of Technical Staff - Head of Fraud](https://feeny.ai/job/member-of-technical-staff-head-of-fraud-nelo-new-york-xdcea5jrhbmf) — New York, NY
- [Senior Security Engineer](https://feeny.ai/job/senior-security-engineer-nelo-mexico-city-z1ghd0g67wqb) — Mexico City, Mexico
- [Lead Recruiter / Principal](https://feeny.ai/job/lead-recruiter-principal-nelo-new-york-y9kp3acjxw3d) — New York, NY
- [Collections Agent](https://feeny.ai/job/collections-agent-nelo-mexico-city-mb1pj72n9y3z) — Mexico City, Mexico
- [Data Scientist (Machine Learning)](https://feeny.ai/job/data-scientist-machine-learning-nelo-new-york-9bfzpbheqrpe) — New York, NY
- [Staff Software Engineer](https://feeny.ai/job/staff-software-engineer-nelo-mexico-city-15pznxtfrpkz) — Mexico City, Mexico