Junior Data Scientist

RIVO Holdings, LLC is a financial services company recognized for a collaborative culture and growth-focused mentorship. The Junior Data Scientist will support Risk & Underwriting by building data pipelines, developing features, and assisting with experiments and production-impacting predictive models. The role focuses on hands-on data work, model validation/monitoring, and partnering with cross-functional teams to translate business questions into analytical solutions.

• Build and maintain feature pipelines that support risk and underwriting models.
• Use Python and SQL to explore, transform, and prepare datasets for modeling.
• Assist with training, validating, and monitoring predictive models (including probability-of-default and other underwriting scores).
• Support A/B testing and champion/challenger experiments to evaluate new features and model improvements.
• Identify opportunities to apply AI tools to streamline workflows and enhance analysis.
• Identify and troubleshoot data quality issues (e.g., anomalies, schema drift, inconsistent signals).
• Collaborate with Underwriting, Data Engineering, and Analytics partners to translate business questions into analytical solutions.
• Contribute to improvements in model infrastructure, pipelines, and analytical workflows.

• Bachelor’s degree in Data Science, Computer Science, Statistics, Mathematics, Economics, Engineering, or a related quantitative field.
• 1–3 years of experience (including internships) in data science, analytics, or a similar applied role.
• Strong foundation in Python and SQL for data manipulation and modeling.
• Solid understanding of core machine learning concepts (classification, validation methods, evaluation metrics).
• Familiarity with exploratory data analysis (EDA) and experience working with structured datasets (unstructured data exposure preferred).
• Growth mindset, curiosity, and passion for data science and machine learning.
• Ability to upskill independently and explore new tools/techniques; interest in using AI tools to improve productivity.
• Strong attention to detail and appreciation for clean, reliable, well-structured data.
• Comfortable communicating findings clearly to managers and project partners.
• Git/GitHub experience is a plus (or willingness to learn quickly).
• Unable to sponsor or take over sponsorship of an employment visa.

• Work arrangement: Fully on-site; hybrid/remote not available.

• Schedule: No evening or weekend work.

• Benefits/perks: Up to $5,000 annual childcare reimbursement; fertility treatment coverage; free weekly group workouts; company events and social hours; Padres tickets raffles; free coffee/energy drinks/snacks; company-paid parking or MTS pass; perfect attendance incentive; paid holidays and PTO; medical/dental/vision (70/30 cost share); 401(k) with employer match.

• Compensation note: Salary range listed as $87,500–$101,000 annually (converted to a monthly estimate in the salary field).