---
title: 'Data Scientist at Parafin'
canonical: 'https://feeny.ai/job/data-scientist-parafin-san-francisco-1wg6p2st3abc'
type: 'job'
last_seen: '2026-10-14'
---

# Data Scientist at Parafin

- **Company:** Parafin
- **Location:** San Francisco, CA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-05-26
- **Last confirmed live:** 2026-10-14
- **Apply:** https://jobs.ashbyhq.com/parafin/cb15e569-764f-4304-a2cd-41a11fe9e008

## Job description

About Us: At Parafin, we’re on a mission to grow small businesses.

Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.

We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners.

We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.

Join us in creating a future where every small business has the financial tools they need. The Data Science Team Our Impact Data is core to Parafin's mission to grow small businesses. Our platform partnerships and portfolio provide rich insight into SMB financial health, allowing us to create fair, automated, and broad access to financial services. As Parafin scales, the breadth and depth of our data grows with it, amplifying the impact we can have on customers and the trajectory of the business.

## Our Team

Enthusiasm, skepticism, and respect for data are in our DNA – two of our co-founders were PhD data scientists at Robinhood. Since our founding, we have grown the team to include perspectives from graduate studies in physics, mathematics, bioengineering, economics, financial engineering, and electrical engineering and professional experience at Robinhood, Uber, Lyft, Airbnb, Faire, Segment, Facebook, and Google. We value first-principles thinking, attention to detail, and craftsmanship.

Our Work Our mission is to help Parafin succeed by leveraging the vast data that powers our platform. Our team partners closely with leaders across the company to drive impact. This role's scope includes: Growth: We design experiments and analyses that expand access to capital while keeping the portfolio healthy. Example projects:

- Designing experiments that navigate the tradeoff between growth and risk — expanding access to capital while keeping the portfolio healthy
- Studying the full merchant lifecycle — first offer, repayment, repeat capital — to find where we can responsibly extend more
- Modeling how a prospective partner's portfolio would perform on our platform, so we can size new opportunities before launching

Portfolio Monitoring & Servicing: We build models and tooling that forecast portfolio performance and measure the impact of our servicing efforts on merchant outcomes. Example projects:

- Building and shipping ML models (XGBoost and friends) that forecast merchant repayment behavior — from feature engineering through production deployment — to inform how we price and size offers
- Measuring whether our servicing actually works — how much balance we recover after reaching out to a struggling merchant, and what interventions move the needle

Infrastructure: We build the data pipelines, automated systems, and internal tools that let the rest of the company operate at scale. Example projects:

- Building the data pipelines that power every analysis, dashboard, and ML model across the company
- Automating processes — lien filings, KYC checks, fraud screens — using APIs, ML, and LLMs
- Building internal tools — Streamlit apps, dashboards, Slack bots — that the rest of the company uses every day

Beyond these focus areas, our team helps expand our impact by recruiting exceptional talent, improving our tools, and supporting each other through regular seminars and project reviews.

## About You

## Your Impact

You will make an outsized impact on Parafin's trajectory by leading projects from end to end. You will quickly learn new methods, apply them across diverse areas of the business, and implement them robustly. You will develop expertise in specific areas of the business, but may tackle projects across domains as our priorities evolve.

## Your Background and Skills

Bachelor's Degree (or higher) in Computer Science, Statistics, Mathematics, Data Science (or related fields). We believe the most effective data scientists bring the following skills to their work:

- Statistical Reasoning
- Approach data analysis with a critical, intellectually honest eye
- Design concise metrics that guide decision making
- Use robust causal inference methods
- Develop valid and predictive machine learning models
- Business Acumen
- Identify and effectively prioritize business problems
- Solve business problems using appropriate data science techniques
- Anticipate the impact of your work on our financial performance, customers, and compliance obligations
- Engineering Mindset
- Write legible, reliable, and tested code
- Build or source tools to boost the team's efficiency
- Contribute to model and data infrastructure design
- Leadership and Collaboration
- Model Parafin's values of efficiency, intellectual honesty, accountability, and empathy
- Build trusted relationships with stakeholders
- Document work, seek feedback, and share learnings proactively
- Mentor other DS members on the team
- Management experience, a plus!
- Focused Execution
- Prioritize high-impact use of your time
- Scope projects rigorously
- Act with urgency
- AI Tool Fluency
- Rapidly learn and adopt emerging AI tools and workflows to accelerate analysis
- Critically evaluate AI-generated outputs for accuracy and reliability

## What We Offer

- Salary: DS / Senior DS: $200k - $260k + EQ Staff/Principal: $265-330k + EQ
- Equity grant
- Medical, dental & vision insurance
- Work from home flexibility
- Unlimited PTO
- Commuter benefits
- Free lunches
- Paid parental leave
- 401(k)
- Employee assistance program

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.

## About Parafin

## Company Overview
- **One-liner**: Parafin is a financial infrastructure company that provides platforms with embedded financial products for small businesses.
- **Entity Type**: Private (Line of Credit – II; total raised $412M)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2020
- **Founders**: Sahill Poddar, Vineet Goel, Ralph Furman

## Core Business
- **Primary industry**: Embedded finance / Fintech infrastructure
- **Target customers**: B2B – marketplaces, vertical SaaS platforms, and payment processors that serve small businesses
- **Mission / purpose**: “Power the financial services of platforms so small businesses can run and grow themselves despite uncertain economic conditions.”

## Products & Services
- **Capital**: White-labeled working capital financing for small businesses. Offers are pre-approved, disbursed in as little as 24 hours, with no interest or late fees. AI-powered underwriting trained on over 1 billion cross-industry data points.
- **Pay Over Time**: A payment method that allows end customers to pay over time, helping platforms grow their bottom line.
- **Spend**: A spend card program that turns everyday customer spend into revenue and loyalty for the platform.

## Market Standing
- **Valuation / Market Cap**: Not publicly disclosed
- **Key Metrics**:
  - Total funding: $412M (latest round: Line of Credit – II in 2026)
  - Extended over $25 billion in offers to hundreds of thousands of businesses
  - Over 50,000 businesses funded
- **Notable Investors / Partners**: Ribbit Capital, Thrive Capital, GIC, Notable Capital, Redpoint Ventures; also Trinity Capital, Silicon Valley Bank, EverBank, Cross River. Platform partners include DoorDash, Amazon, Worldpay, Walmart, and Mindbody.
- **Growth Signals**:
  - Ranked #10 on the 2025 Deloitte Technology Fast 500
  - Ranked #13 on the 2025 Inc. 5000 list
  - Named to the 2026 Forbes Fintech 50
  - Recognized as one of “America’s best startup employers (2026)”
  - Expanded warehouse credit facility with Silicon Valley Bank, EverBank, and Trinity Capital (May 2026)

## Competitive Advantages
- **AI-powered underwriting** that continuously improves using over 1 billion data points, enabling high approval rates and pre‑approved offers.
- **White‑labeled, deeply integrated UI** that feels native to the platform partner.
- **Fast capital deployment** – funds in as little as 24 hours with no interest or late fees.
- **Trusted by leading platforms** (DoorDash, Amazon, Worldpay, Walmart) providing strong distribution and credibility.

## Strategic Focus
- Expand the suite of embedded financial products (Capital, Pay Over Time, Spend).
- Deepen partnerships with platforms and payment processors to reach more small businesses.
- Continue to invest in AI/ML underwriting to improve approval rates and risk management.
- Scale the warehouse credit facility and debt capacity to support growing loan origination.

## Why Work Here
- **Culture & values**: Accountability, Efficiency, Empathy, Intellectual Honesty. Emphasis on seeking truth, giving feedback, and being results-oriented.
- **Benefits**: Unlimited PTO, medical/dental/vision insurance, 401(k) plan, commuter benefits, free in-office lunches, HSA & FSA options, paid parental leave, pet insurance discount, mental health & well-being resources, coffee chat allowance, peer recognition program, free equity tax advising.
- **Work environment**: Office‑first in San Francisco (301 Howard Street). Roles span Engineering, Data Science, Design, Finance, Marketing, Operations, Platform Growth, and Sales.
- **Recognition**: Named “America’s best startup employers (2026)” and “Fintech Innovation 50,” indicating strong employee satisfaction and industry impact.

## Sources
1. [parafin.com](https://www.parafin.com/) – Official website
2. [parafin.com/about](https://www.parafin.com/about) – About page
3. [parafin.com/careers](https://www.parafin.com/careers) – Careers page
4. [jobs.ashbyhq.com/parafin](https://jobs.ashbyhq.com/parafin) – Open roles
5. [cbinsights.com](https://www.cbinsights.com/company/parafin) – CB Insights company profile

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