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.

This is a senior role, which means we expect you to have opinions about the stack, shape how we build, and set the technical bar for ML at Zed as the team grows. If you're the kind of person who's deploying neural networks and transformer-based models in production rather than just reading about them, this role was written for you.

• Work closely with our data lead on the full risk model suite: core credit decisioning, account management, and fraud detection