Senior ML Data Scientist (Credit Risk)

Zed underwrites credit using foundation models that profile risk from transaction data, financial documents, and other structured and unstructured sources — not credit scores. That means our ML stack looks less like a traditional bank's and more like a modern AI system: embedding models, transformer architectures, and LLM-assisted data pipelines sitting alongside classical credit and fraud models. We're hiring a Senior ML Data Scientist to work directly with our data lead across all of it — core credit models, account management, and fraud detection — with a particular focus on pushing the frontier of how we represent and reason about financial data.