--- title: 'Machine Learning Scientist (Financial Scoring) at Lendbuzz' canonical: 'https://feeny.ai/job/machine-learning-scientist-financial-scoring-lendbuzz-boston-vmh6w59y2dqk' type: 'job' last_seen: '2026-09-11' --- # Machine Learning Scientist (Financial Scoring) at Lendbuzz - **Company:** Lendbuzz - **Location:** Boston, MA - **Compensation:** $170k–$200k - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-03-27 - **Last confirmed live:** 2026-09-11 - **Apply:** https://jobs.lever.co/lendbuzz/7f05f28b-8a0f-45cd-92c4-24f44994f85a ## Job description At Lendbuzz, we believe financial opportunity should be more personalized and fair. We develop innovative technologies that provide underserved and overlooked borrowers with better access to credit. From our employees to our dealers, partners, and borrowers, we’ve built a company and a culture around a resolute belief in the promise and power of diversity. We value independent and critical thinking. We are looking for a talented Machine Learning Scientist who is passionate about delivering impactful solutions and thrives in a dynamic, collaborative environment. The ideal candidate will possess a deep understanding of machine learning and statistics and a strong background in data analysis, software development, and communication skills. ## Responsibilities - Build machine learning and deep learning models based on financial and other modalities like text - Collaborate closely with cross-functional teams to integrate machine learning models seamlessly into production systems - Conduct extensive analysis to better understand our continually evolving datasets and validate model performance - Design and develop robust, scalable pipelines and services using software engineering best practices - Implement end-to-end solutions, including architecture design, business logic, and deployment - Drive the adoption of rigorous testing practices, ensuring high-quality, reliable ML model releases - Stay updated with advancements in machine learning and related technologies to continuously improve our solutions ## Requirements - Ph.D in Computer Science, Statistics, Mathematics or a related field - 2+ years of relevant industry or postdoc experience - Solid understanding of computer science fundamentals, including data structures and algorithms and object oriented programming - Deep understanding of machine learning models and algorithms - Deep understanding of probability and statistics - Strong data analysis skills and experience working with messy real world data - Proficiency in python and familiarity with commonly used machine learning libraries such as numpy, pandas, torch, and scikit-learn - Excellent communication skills A Vibrant Office Culture & Perks We love collaborating in person, and we make sure our Boston office is a place you actually look forward to coming to every day. At Lendbuzz, we believe in building an energetic, supportive environment that makes your day-to-day workplace experience both rewarding and fun: Complimentary Lunches: Forget meal prepping! Enjoy delicious, catered lunches on us every Tuesday and Thursday. Sweet Happy Hours: Take a well-deserved break with the team at our fun happy hours, featuring sweet treats, great conversations, and a fantastic opportunity to unwind and connect. Smarter Commuting (TMA Benefit): Save money on your daily trek. We offer TMA benefits, allowing you to allocate pre-tax dollars toward your travel and transit expenses to make your commute to the city a breeze. We believe: Diversity is a competitive advantage. We celebrate our differences, and are better when we have a variety of experiences, viewpoints, and backgrounds. Compassion is a strength. We care about our customers and look to build long-term relationships with them. Simplicity is a key feature. We work hard to make our forms and processes as painless and intuitive as possible. Honesty and transparency are non negotiable. We incorporate these traits in all of our interactions. Financial opportunity belongs to everyone. We work every day to improve lives by extending this opportunity. If you believe these things too then we would love to hear from you! Background Checks After an offer is accepted, Lendbuzz conducts a pre-employment background check. Any evaluation of the background check will be subject to an individualized assessment, taking into account the applicant’s or employee’s specific record and the responsibilities and requirements of the particular role. A Note on Recruiting Outreach We’ve been made aware of individuals falsely claiming to represent Lendbuzz using lookalike email addresses (eg @lendbuzzcareers.com). Please note that all legitimate emails from our team come from @lendbuzz.com. We will never ask for sensitive information or conduct interviews via messaging apps. ## About Lendbuzz ## Company Overview - **One-liner**: Lendbuzz is an AI-powered auto finance platform that provides car loans to individuals with limited or no U.S. credit history, using machine learning algorithms to assess creditworthiness. - **Entity Type**: Public (ticker: LBZZ) - **Headquarters**: Boston, Massachusetts, USA - **Founded**: 2015 - **Founders**: Not publicly available ## Core Business - **Primary industry**: Financial Services / Auto Finance / Fintech - **Target customers**: B2C (consumers with thin or no credit history) and B2B (auto dealerships) - **Mission**: To offer fair access to credit for underserved populations [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm) ## Products & Services - **[AI-Powered Auto Loans]**: Loan origination and servicing for consumers, underwritten by a proprietary AI Risk Analysis (AIRA®) score that analyzes thousands of data points per applicant. Type: Financial product. - **[Dealership Portal]**: A streamlined point-of-sale software platform that enables dealership partners to manage loan applications and increase sales. Type: SaaS. - **[Floorplan Lending]**: Inventory financing for dealerships. Type: Financial product. ## Market Standing - **Valuation/Market Cap**: Not publicly available (IPO filed; pricing not yet set) - **Key Metric**: Annual Revenue of $200M (as of latest data) [linkedin.com](https://linkedin.com/company/lendbuzz). Total revenue grew at a compounded annual rate of ~83% from 2020 to 2025; the company has been profitable (positive net income) each year since 2021 [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). - **Notable Investors/Partners**: Not disclosed in provided sources. The company partners with 2,344 active auto dealerships as of December 2025 [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). - **Growth Signals**: 323 employees (+7.5% YoY) [linkedin.com](https://linkedin.com/company/lendbuzz); 100%+ net dollar retention for 19 consecutive quarters; 143 sales employees; 61% of open positions are remote [jobera.com](https://jobera.com/employer/lendbuzz/); expansion potential in a $718 billion U.S. auto loan origination market with over 55,000 dealerships [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). ## Competitive Advantages - Proprietary AI algorithms (AIRA®) trained on over 3.7 million payments from more than 205,000 consumers, incorporating 2,000+ features per applicant [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). - Focus on a large underserved market: ~119 million U.S. adults (46% of adults) with thin/no credit or near-prime status [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). - Efficient go-to-market through dealerships, leading to low customer acquisition costs and strong unit economics. - Consistent profitability and positive net income since 2021 [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm). ## Strategic Focus - Expand the dealership network within existing geographic footprint and enter new U.S. regions. - Increase loan origination volume and market share in the $718 billion auto loan origination market. - Continue to refine AI/ML models for credit risk assessment and credit outperformance. ## Why Work Here - **Culture**: Mission-driven to broaden access to credit for underserved populations; co-founders were personally affected by the problem they solve [lendbuzz.com](https://www.lendbuzz.com/about). - **Work Policy**: Broad flexibility – 61% of job listings are remote, 23% hybrid, 16% on-site [jobera.com](https://jobera.com/employer/lendbuzz/). - **Employer Rating**: 3.9/5.0 on LinkedIn (110 reviews) with strong scores in Work-Life (3.8), Compensation (3.9), Culture (3.9), and Career (3.7) [linkedin.com](https://linkedin.com/company/lendbuzz). - **Growth & Stability**: Rapidly growing, profitable fintech company with a recent IPO filing; Product, Engineering, and Development teams are central to the company’s innovation [lendbuzz.com](https://www.lendbuzz.com/about). ## Sources 1. [linkedin.com](https://linkedin.com/company/lendbuzz) 2. [lendbuzz.com](https://www.lendbuzz.com/about) 3. [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312526096942/d715014ds1a.htm) 4. [sec.gov](https://www.sec.gov/Archives/edgar/data/1736734/000119312525201851/d715014ds1.htm) 5. [jobera.com](https://jobera.com/employer/lendbuzz/) ## Other roles at Lendbuzz - [Loss Prevention Associate (12-9 PM EST)](https://feeny.ai/job/loss-prevention-associate-12-9-pm-est-lendbuzz-remote-vkb4kvcvp8zc) - [Software Engineer (Frontend-Focused Full Stack)](https://feeny.ai/job/software-engineer-frontend-focused-full-stack-lendbuzz-boston-w2cy1q056qqt) — Boston, MA - [Bilingual Dealership Account Manager - Albany, NY](https://feeny.ai/job/bilingual-dealership-account-manager-albany-ny-lendbuzz-albany-8461nvf3zdb7) — Albany, NY - [Senior Product Analyst – Application Lifecycle (Argentina)](https://feeny.ai/job/senior-product-analyst-application-lifecycle-argentina-lendbuzz-argentina-yyzsy0aa9d83) — Argentina - [Engineering Manager (Backend)](https://feeny.ai/job/engineering-manager-backend-lendbuzz-boston-j2vedwzsw6e7) — Boston, MA - [Bilingual Dealership Success Associate - Los Angeles, CA](https://feeny.ai/job/bilingual-dealership-success-associate-los-angeles-ca-lendbuzz-los-angeles-aravgjh2j9v0) — Los Angeles, CA - [Internal Account Manager (Floorplan)](https://feeny.ai/job/internal-account-manager-floorplan-lendbuzz-ipswich-f40frs0p0b93) — Ipswich, MA - [Dealership Account Manager - Wilmington, NC](https://feeny.ai/job/dealership-account-manager-wilmington-nc-lendbuzz-wilmington-s7q5m17pfna3) — Wilmington, NC - [Dealership Account Manager - Roanoke, VA](https://feeny.ai/job/dealership-account-manager-roanoke-va-lendbuzz-roanoke-4xvfvcevzww4) — Roanoke, VA - [Dealership Account Manager – San Jose, CA](https://feeny.ai/job/dealership-account-manager-san-jose-ca-lendbuzz-san-jose-33g96f8r2afa) — San Jose, CA