---
title: 'Senior Data Scientist, Home Lending at Wealthfront'
canonical: 'https://feeny.ai/job/senior-data-scientist-home-lending-wealthfront-palo-alto-p2gpgn4neq10'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Data Scientist, Home Lending at Wealthfront

- **Company:** Wealthfront
- **Location:** Palo Alto, CA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-10
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.lever.co/wealthfront/c90dc246-578c-42a0-a322-6400f47e97dc

## Job description

The Wealthfront Data Science Team utilizes our rich financial and behavioral data to influence key product and marketing decisions, as well as to safeguard our client’s information and assets. The team draws from backgrounds in Statistics, Operations Research, Computer Science, Economics, and Natural Sciences. We value analytical rigor, clear communication, and proactivity. We believe that good ideas can come from anywhere and encourage Data Scientists to pursue self-directed explorations in search of business value. The Data Scientist in this role will be primarily embedded within Wealthfront’s new and quickly-growing Home Lending area. The vision of this area is to enable our clients to grow their wealth through leveraged home ownership.

## Responsibilities

- Build predictive models for potential purchasers or refinancers in our client base to enable efficient and targeted outreach

- Analyze user behavior in web-based home lending tools and flows to identify patterns and optimize these experiences

- Interpret and contextualize statistical results for business stakeholders and help translate numbers into recommendations

Expectations

- Demonstrate a high degree of independence, proactivity, and curiosity - be the first to identify opportunities

- Formulate project plans with clear rationale, candidate approaches and milestones

- Communicate clearly and effectively with partners both within and outside the home lending area, through written documents, presentations, and in-person or video meetings

- Identify key initiatives for the Home Lending area and champion the role of Data Science within these initiatives

- Employ a high degree of mathematical rigor and best practices for software development.

- Enhance overall Data Science team execution through hands-on help, design feedback and peer review

- Depending on experience and interest, management of more junior Data Science team members.

## Requirements

- A Master's or a PhD degree in a quantitative field such as Statistics, Operations Research, Computer Science, Economics or Natural Sciences, with 6+ years of prior experience in a Data Science role. Exceptions to these requirements may be considered on a case-by-case basis.

- Strong communication and collaboration skills and a record of partnering across organizations to sharpen project requirements. Sometimes this includes re-framing the original request to solve a more general problem with similar effort.

- Hands-on mathematical and software engineering skills to execute on complex projects.

- Proficiency in Python and SQL.

- Desire and ability to mentor junior Data Scientists within the team by exemplifying math, engineering and technical communication skills.

Estimated annual salary range: $185,000 - $211,000 USD plus Equity. Plus benefits include medical, vision, dental, 401K plan, generous time off, parental leave, wellness reimbursements, professional development, employee investing discount, and more!

## About Wealthfront

Here at Wealthfront, our mission is to create a financial system that favors people, not institutions. We do this by leveraging technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money.

We started with the ambition to transform the investment advisory business. By automating strategies typically reserved for the wealthy, we unlocked access to high quality investment advice for a digitally-native generation that was underserved by traditional institutions. Since then, we've expanded to a full suite of products designed to help our clients turn their savings into long-term wealth, including:

- A Cash Account that, through our partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, while providing instant and secure access to your money with no account fees and a full suite of checking features.
- A zero-commission Stock Investing Account with 50+ handpicked collections that help DIY investors discover new companies and make smarter investing decisions.
- Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing—which we offer at industry-leading low costs and accessible minimums.

Our award-winning products have attracted over 1 million clients who trust us with more than $85 billion of their hard earned savings—and we're far from done. If you’re inspired to help us reshape the financial industry as we create our next chapter, let’s talk!

For more information please visit www.wealthfront.com.We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Please review our candidate privacy notice.

Disclosures: All investing involves risk, including the possible loss of principal. Tax-Loss Harvesting benefits vary depending on the client's entire tax and investment profile. Wealthfront doesn’t provide tax advice. The Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the variable interest rate, and provide access to FDIC pass-through insurance. Investment management and advisory services–which are not FDIC insured–are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser. The checking features offered in the Wealthfront Cash Account are provided by Green Dot Bank, Member FDIC. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details.

By “award-winning products”, please refer to www.wealthfront.com/reviews for more information. Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

## About Wealthfront

## Company Overview
- **One-liner**: Wealthfront is an American financial services company that provides automated investing, high-yield savings, stock trading, and home lending products to help young professionals build long-term wealth.
- **Entity Type**: Public (Nasdaq: WLTH)
- **Headquarters**: Palo Alto, California, United States
- **Founded**: 2008 (originally as kaChing)
- **Founders**: Andy Rachleff and Dan Carroll

## Core Business
- **Primary industry/industries**: Financial Services, Wealth Management, Fintech
- **Target customers**: Primarily B2C, targeting young professionals and individual investors seeking automated wealth management and savings solutions
- **Mission or purpose statement**: "To build a financial system that favors people, not institutions" and "help people design the life they want and make it happen."

## Products & Services
- **Automated Investing Account**: A robo-advisor that builds and manages globally diversified portfolios of index funds (stocks, bonds, ETFs) designed for long-term, after-tax returns.
- **Stock Investing Account**: A self-directed brokerage account for long-term stock and ETF investing, allowing users to select their own investments.
- **Cash Account (High-Yield Savings)**: A cash management account offering a high Annual Percentage Yield (3.30% APY as of Jan 2026) and up to $8M FDIC insurance through a network of partner banks (Citibank, HSBC, UMB). Includes direct deposit, bill pay, and ATM access.
- **Home Lending**: Mortgage loan products, acquired via a company purchase in July 2024 to expand into home lending.

## Market Standing
- **Valuation/Market Cap**: Public company; IPO in December 2025 raised ~$485M at a fully diluted market cap of ~$2.6 billion. Current market cap is publicly available on Nasdaq.
- **Key Metric (Revenue)**: $339 million annual revenue (2025); $90.5 million revenue in FY2027 Q1 (quarter ending April 30, 2026).
- **Key Metric (AUM)**: $95 billion assets under management (2026).
- **Notable Investors/Partners**: Partner banks include Citibank, HSBC, and UMB Bank. UBS previously agreed to acquire Wealthfront for $1.4B in 2022 (deal terminated) and later invested a $69.7M convertible note. Total funding to date is $759.2M.
- **Growth Signals**: 1.4M+ clients; 346 employees (+9.5% YoY); positive net income ($123M in 2025, $12.8M in FY2027 Q1); successful IPO on Nasdaq; expansion into home lending via acquisition.

## Competitive Advantages
- **Technology-First Approach**: Positions itself as a technology company, not a traditional bank, using software, automation, and data to deliver low-cost, user-friendly financial products.
- **Integrated Financial Platform**: Combines savings, investing, and lending in one seamless account, making it a "one-stop shop" for personal finance.
- **Low-Cost Model**: Zero account fees, zero-commission stock investing, and high-yield savings differentiate it from traditional banks and brokerages.
- **Trust and Transparency**: Culture of transparency with clients and employees; strong brand reputation built since 2011.

## Strategic Focus
- **Platform Expansion**: Continuing to expand its product suite beyond investing and savings into home lending and potentially other financial services.
- **IPO Growth**: Using public market capital to accelerate product development, marketing, and customer acquisition.
- **Maintaining Profitability**: Balancing growth with profitability, as evidenced by recent positive net income.
- **Automation & AI**: Leveraging data and automation to improve user experience and lower costs.

## Why Work Here
- **Culture**: Emphasizes transparency, trust, and a collaborative environment. Recognized for diversity and inclusion with affinity groups, leadership training, and mentorship programs.
- **Work Model**: Remote-friendly with hybrid options available in Palo Alto, San Francisco, Seattle, and New York City. Open to US-based remote for many roles.
- **Perks & Benefits**: Discretionary time off, 16 weeks of paid parental leave for both parents, quarterly learning stipend, monthly wellness reimbursement, comprehensive medical/dental/vision with HSA contributions, Caltrain pass, transportation stipend, and relocation bonuses.
- **Engineering & Product Focus**: Described as a "technology company above anything else," offering a strong environment for engineers, data scientists, and designers to solve big consumer problems.
- **Growth Trajectory**: Public company with strong financials and a clear growth strategy, offering career stability and advancement opportunities.
- **Employee Rating**: 4.2/5.0 on LinkedIn (69 reviews), with high marks for Compensation (4.2) and Culture (4.0).

## Sources
1. [Wealthfront.com](https://www.wealthfront.com/)
2. [Wealthfront Careers Page](https://jobs.lever.co/wealthfront)
3. [LinkedIn - Wealthfront](https://www.linkedin.com/company/wealthfront)
4. [Wikipedia - Wealthfront](https://en.wikipedia.org/wiki/Wealthfront)

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