---
title: 'Senior Data Scientist at Current'
canonical: 'https://feeny.ai/job/senior-data-scientist-current-new-york-jf1swfgf2kpa'
type: 'job'
last_seen: '2026-10-13'
---

# Senior Data Scientist at Current

- **Company:** Current
- **Location:** New York, NY
- **Posted:** 2026-07-23
- **Last confirmed live:** 2026-10-13
- **Apply:** https://current.com/careers/open-positions/?id=8082342&gh_jid=8082342

## Job description

Senior Data Scientist

## About Current

Current is a leading U.S. fintech serving people who have been overlooked by traditional banks. We are one of the fastest-growing companies with nearly 6 million members. Headquartered in NYC, our results-driven environment empowers our team to build better products, grow faster, and have a direct impact on our mission to improve financial outcomes for our members.

## About the Role

At Current, data is at the core of everything we do. As a Senior Data Scientist on the Data and Growth teams, you will focus on machine learning modeling to build predictive models that help us understand our customers better, improve user experience, and efficiently acquire and retain members. This is a hands-on role focused on solving complex problems, developing and deploying ML models, and driving data-driven decision-making.

Your day-to-day will involve analyzing, preparing, and structuring data; building and optimizing predictive models; leveraging clustering algorithms; and collaborating with cross-functional teams (Product, Engineering, Marketing) to integrate ML solutions into customer-focused strategies and processes.

## Responsibilities

- Design, develop, and deploy predictive classification and regression models, along with anomaly detection models and algorithms.
- Conduct extensive EDA, feature engineering, and data preprocessing to ensure high-quality input for ML models.
- Evaluate and optimize model performance using statistical and ML techniques.
- Design and execute A/B tests to measure and validate model impact.
- Perform customer segmentation using various clustering techniques.
- Develop and implement model monitoring dashboards and establish model governance techniques.
- Collaborate with Analytics, Product, Engineering, and Marketing teams to seamlessly integrate predictive models into workflows.
- Work with the ML Engineering team to ensure efficient data pipelines and scalable model deployment.
- Analyze diverse datasets to extract meaningful insights and patterns, identifying actionable opportunities for optimization and innovation.

## Qualifications

## About You

- 5+ years of experience in data science with a strong emphasis on machine learning modeling.
- Proficiency in Python for data analysis and ML, with experience using libraries such as Scikit-Learn, XGBoost, TensorFlow, or PyTorch.
- Expertise in SQL and working with large, complex structured and semi-structured datasets.
- Strong understanding of core machine learning techniques, including logistic regression, gradient boosting, decision trees, and clustering methods.
- Experience in feature engineering, model selection, and performance optimization.
- Experienced in designing, executing, analyzing, and reporting on experiments.
- Strong communication skills and ability to present findings to technical and non-technical stakeholders.
- Master’s or higher degree in Data Science, Computer Science, Statistics, or a related field is preferred.

## Preferred Skills & Qualifications

- Experience working in fintech, e-commerce, or other data-rich consumer-facing industries.
- Familiarity with Google Cloud Platform (GCP) services, particularly Vertex AI and Dataflow, for scalable data processing and model training.
- Experience with dbt for data modeling.
- Familiarity with BigQuery or other MPP (Massively Parallel Processing) databases.
- Experience using the Scala programming language for developing scalable and efficient data pipelines.

## Benefits

- Competitive salary
- Stock options
- 401(k) savings plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Unlimited time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities
- Our modern NYC based office with open floor plan, stocked kitchen, and catered lunches

This role has a base salary range of $170,000.00 - $220,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

## About Current

## Company Overview
- **One-liner**: Current is a consumer fintech platform that provides mobile-first banking services—including spending accounts, early paycheck access, credit building, and savings—to help everyday Americans improve their financial outcomes.
- **Entity Type**: Private (Series E; most recent round closed June 2026)
- **Headquarters**: New York, New York, United States
- **Founded**: 2015
- **Founders**: Stuart Sopp (CEO & Co-Founder)

## Core Business
- **Primary industry**: Financial Services / Fintech (consumer banking, payments, credit, earned wage access)
- **Target customers**: B2C — everyday Americans, including teens (custodial accounts), gig workers, and underserved or unbanked populations; no minimum income or age restrictions
- **Mission / purpose**: To improve financial outcomes for all Americans by providing affordable, integrated financial solutions that address their most important needs.

## Products & Services
- **Spending Account (Core Banking)**: Mobile-first checking account with a Visa debit card; no mandatory fees, no minimum balance, fee-free overdraft, and early access to paychecks (up to 2 days early with direct deposit).
- **Paycheck Advances (Earned Wage Access)**: Advances of up to $750 deposited directly into the Current account for qualifying members.
- **Build Card (Secured Credit Card)**: No credit check, no upfront deposit; helps members build credit history with monthly payments; managed via a single spending balance.
- **Savings Pods**: Sub-accounts that earn an annual boost up to 4.00% APY; instant transfers from spending balance.
- **Crypto Trading**: Buy/sell dozens of coins directly from spending balances with no trading fees.
- **Teen Banking (Custodial Accounts)**: Debit cards for kids with automatic allowances, instant transfers, and real-time spending alerts for parents.
- **P2P Transfers**: Send money to anyone.
- **Cash Deposits**: Available at 60,000+ participating retail locations.
- **ATM Network**: Access to 40,000+ fee-free in-network ATMs.
- **Money Management Tools**: Budgeting tools, spending insights, instant notifications.

## Market Standing
- **Valuation**: $1.5 billion (post-money, Series E, June 2026)
- **Total Funding**: $663.4M (across 10 rounds, including the Series E)
- **Annual Revenue**: Not publicly disclosed; reported 3 consecutive years of 70%+ revenue growth (as of June 2026)
- **Members**: 6+ million (as of mid-2026)
- **Notable Investors**: Springcoast Partners (led Series E), Andreessen Horowitz, Tiger Global Management, Avenir, Foundation Capital, Wellington Management, Sapphire Ventures, General Catalyst (Customer Value Fund), QED Investors, Cross River
- **Growth Signals**: 
  - Third consecutive year of >70% growth (June 2026)
  - Approaching profitability in 2026
  - Expanded credit/liquidity partnership with Cross River
  - Extended commitment from General Catalyst’s Customer Value Fund
  - Building operational scale and governance for public company readiness
  - Headcount grew 33.4% YoY to ~183 employees (LinkedIn data, 2025-2026)

## Competitive Advantages
- **Proprietary core banking technology**: Built and maintains its own core banking stack, enabling full integration of features (no silos) and direct relationships with partner banks (Choice Financial, Cross River) and Visa without intermediaries.
- **Spend-based business model**: Revenue driven primarily by interchange fees (merchant swipe fees), not deposit-based lending — a fundamentally different model from traditional banks.
- **No mandatory fees**: No annual fees, overdraft fees, or minimum balance requirements, making it accessible to low-income and underserved Americans.
- **Integrated credit building**: Secured credit card + credit score monitoring (VantageScore) tied directly to the spending account, with no separate deposit or credit check.
- **AI & cloud-native platform**: Heavy investment in AI and cloud infrastructure to deliver personalized financial experiences at scale.

## Strategic Focus
- **Product innovation**: Continued investment in AI-powered financial services, banking, payments, liquidity, and credit offerings.
- **Public market readiness**: Building the operational scale, governance, and financial profile expected of a public company; targeting profitability in 2026.
- **Member growth**: Expanding the member base beyond 6 million by deepening product adoption and entering new use cases.

## Why Work Here
- **Culture**: Mission-driven fintech focused on improving financial outcomes for everyday Americans; described as combining industry-leading technology with highly skilled talent.
- **Work environment**: Headquarters in New York, NY; hybrid/office policy not explicitly stated but roles are likely NYC-based.
- **Perks & benefits**: Competitive salary, equity, discretionary bonus program, flexible vacation policy, commuter benefits, medical/dental/vision insurance.
- **Engineering culture**: Emphasis on building proprietary core banking tech, AI/ML infrastructure, and fully integrated product experiences; strong focus on security, scalability, and innovation.
- **Recent hires from**: Varo Bank, WeWork, letgo, Deloitte, Amazon, American Express, Uber, Capital One, Morgan Stanley, JPMorganChase — indicating a high-caliber talent pool.
- **Open roles (as of mid-2026)**: Senior Software Engineer (Applied ML), Senior Business Intelligence Engineer, Senior Data Analyst, Senior Data Scientist, Director of Data Analytics, Director of Risk, Analytics Engineer, and more.

## Sources
1. [current.com/about-us](https://current.com/about-us/)
2. [current.com/careers](https://current.com/careers/)
3. [current.com](https://current.com/)
4. [LinkedIn - Current](https://www.linkedin.com/company/current)
5. [CB Insights - Current](https://www.cbinsights.com/company/current)
6. [Greenhouse - Current Careers](https://job-boards.greenhouse.io/current81)

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