Senior AI & ML Scientist

About Us: DailyPay is the leader in On-Demand Pay, helping employers modernize how people get their pay. DailyPay serves more than 1,900 employers and over 6 million employees, including many of the world's most recognized brands. By providing real-time access to earned pay and financial wellness tools, DailyPay helps employees manage their finances and helps employers attract and retain talent. DailyPay is helping define the future of pay, where money moves at the speed of work. Learn more at DailyPay's Press Center. The Role: DailyPay is seeking a Senior AI & ML Scientist to join our Data Science team. This is a high-impact individual contributor role for an AI & ML scientist who executes complex modeling work with excellence and is growing their strategic influence across product and business stakeholders. You will build and maintain the models and decision systems that personalize the DailyPay product experience - from optimizing financial decisions for workers, to personalizing communications and user experiences, to supporting fraud controls. You will contribute to the data infrastructure the team needs and follow established standards for production-grade ML. This role is right for someone who does excellent, rigorous hands-on work and is ready to grow their ability to translate that work into clear business impact. If this opportunity excites you, we encourage you to apply even if you do not meet all of the qualifications. How You Will Make an Impact: • Build, improve, and maintain ML models for personalizing the user experience including on-demand pay balance optimization, content personalization, and fraud controls. • Build reliable data pipelines and features for model development, following team infrastructure standards. Identify gaps in data infrastructure along the way and advocate for solutions with engineering partners. • Develop, evaluate, deploy, monitor, and improve both batch and real time models following established production standards. • Stay current on AI/ML developments and apply sound judgment in algorithm selection and technique adoption by evaluating tradeoffs across modeling approaches and recommending the best tool for the problem. • Write clean, well-documented, traceable, versioned, and reproducible code across all model development and pipeline work, following team standards for maintainability and auditability. • Follow and contribute to data quality standards and validation practices; flag issues proactively and help improve team patterns. • Partner with product and engineering on scoped problem areas, translating defined business questions into well-structured DS solutions. Bring senior DS leadership in early on ambiguous or high-stakes problem framing. • Communicate model results and tradeoffs clearly to product and cross-functional partners, connecting technical outputs to business outcomes. What You Bring to The Team: • 5+ years of Machine Learning experience within fintech, payments, or a similarly regulated consumer domain. With a proven track record of shipping production models that directly impact the end-user experience. • Bachelor's or advanced degree in a quantitative discipline (e.g., computer science, machine learning, statistics, data science, Machine Learning) • Track record of independently building models that drive measurable business outcomes; experience seeing your own work through to production, including partnering with stakeholder teams to define success metrics and connect model performance to business value. • Experience building and maintaining reliable feature engineering pipelines, with advanced SQL and Python skills and a working knowledge of the data infrastructure that supports model development at scale. • Hands on experience with end-to-end model deployment; data pipelines, model monitoring, drift detection, and A/B test execution, with a strong instinct for production reliability. • Experience owning models in production environments where failures have real financial or compliance consequences. • Strong proficiency across modern AI, classical ML, statistical, and probabilistic methods; experience translating well-defined business objectives into modeling approaches and evaluating them rigorously. What We Offer: • Exceptional health, vision, and dental care • Opportunity for equity ownership • Life and AD&D, short- and long-term disability • Employee Assistance Program • Employee Resource Groups • Fun company outings and events • Unlimited PTO • 401K with company match High-performing cultures aren't built in silos, they thrive on partnership. At DailyPay, we Commit Together to an inclusive, professional environment where multifaceted perspectives are our greatest competitive advantage. We recognize that our team members don't live "single-issue lives," and we lean into the wide-ranging backgrounds and life stages that sharpen our collective decision-making. In our high-trust environment, we empower you to Challenge Norms. We've created a space where it is safe to ask difficult questions, disrupt the status quo, and share bold perspectives without fear of professional fallout. We believe that by checking our own assumptions and staying curious about the experiences of others, we arrive at better, more innovative results. We provide the space for you to do your best work through peer advocacy and transparent career development. If you are looking for a culture that values intellectual honesty, celebrates the unique lived experiences of its people, and thrives on collective success, you'll find it here. If you require reasonable accommodation for any aspect of the recruitment process, please send a request to peopleops@dailypay.com. All requests for accommodation will be addressed as confidentially as practicable. DailyPay is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion or creed, alienage or citizenship status, political affiliation, marital or partnership status, age, national origin, ancestry, physical or mental disability, medical condition, veteran status, gender, gender identity, pregnancy, childbirth (or related medical conditions), sex, sexual orientation, sexual and other reproductive health decisions, genetic disorder, genetic predisposition, carrier status, military status, familial status, or domestic violence victim status and any other basis protected under federal, state, or local laws.