Senior Data Scientist

nCino offers exciting career opportunities for individuals who want to join the worldwide leader in cloud banking.

 

Banks generate massive amounts of data - loan applications, portfolio performance, risk metrics, transaction patterns - but turning that data into intelligent action is where the real challenge lives. As a Senior Data Scientist on nCino's Data & AI team, you'll build machine learning models and predictive analytics that help financial institutions make smarter lending decisions, manage risk more effectively, and automate complex banking processes.

You'll work on a new fintech solution within Portfolio Analytics where your models become product features, not research projects. That means collaborating directly with engineers to deploy your work into production, monitoring model performance in real banking environments, and iterating based on actual business impact. You'll analyze complex datasets, prototype solutions, guide technical approaches, and translate messy business problems into clean analytical frameworks using Python, SQL, AWS services, and Databricks. Experience with financial markets is highly valued as you navigate the complexities of regulated financial data.

This role puts you at the center of AI innovation in banking. You're not building models in a vacuum, you're embedded with product teams solving real problems for real financial institutions. If you're energized by the challenge of making AI work in a regulated, high-stakes industry where your work directly influences how banks operate, let's talk.

 

Essential Functions: 

• Applies developed knowledge and understanding of building large-scale machine learning, predictive modeling, and advanced analytics tools; proficient in multiple data-related programming languages 

• Proficient creating machine learning, predictive modeling, and advanced analytics tools tailored to solve business problems 

• Experience in large data sets and algorithms 

• Considers and analyzes information from multiple data sources, including experience and input from others when determining the best approach for routine and non-routine problems 

• Ability to prototype ideas and demonstrate pros and cons in a clear and concise manner 

• Understanding of data science priorities and how each contributes to the success of nCino 

• Demonstrates ability to acquire domain knowledge of the business and effectively applies this expertise to inform model development and problem-solving approaches 

• ​Extensive experience in developing, deploying, and monitoring complex machine learning models 

• Lead and guide teams in implementing programming best practices and adopting emerging technologies 

• Leverage AI tools and techniques to enhance software development activities, including code generation, testing, debugging, and optimization.

• Apply AI insights to identify patterns, automate repetitive tasks, and improve overall development efficiency and product quality.

• Evaluate and integrate AI/ML capabilities where appropriate to strengthen product functionality and user experience.

• Maintain awareness of emerging AI trends and best practices to inform continuous learning and innovation.

Minimum Requirements: 

• Undergraduate degree in Data Science, Statistics, Mathematics, Computer Science or a related field with 5+ years of related experience  or combination of experience and education 

• Demonstrated mastery of programming skills in Python or R 

• Experience with data visualization tools (DOMO, AWS Quicksight, Tableau, etc.) 

• Demonstrated mastery of machine learning algorithms and techniques 

• Strong problem-solving skills and ability to work independently and collaboratively 

• Strong experience with SQL or noSQL and database management systems 

• Experience deploying and monitoring models in production 

• Strong understanding of the business domain  

• Ability to translate business questions into analytics projects and deliver actionable insights 

• Flexibility and the ability to be productive in a fast-paced, team environment 

• Excellent verbal and written communication skills for technical and non-technical audiences 

• Familiarity with production code practices, including unit testing, object-oriented programming (OOP), error handling, logging, contract testing, and version control 

Desired:  

• Advanced degree in Data Science, Statistics, Mathematics, Computer Science or a related field 

• Expertise in financial markets, particularly debt markets.

• Experienc