Research Scientist

1 week ago

Columbus, Ohio, United States Ohiox Full time
About Ohiox

Ohiox is a pioneering AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. By leveraging our AI marketplace, Ohiox-powered banks and credit unions can achieve higher approval rates and lower loss rates across demographics, while delivering a superior digital-first lending experience to their customers.

Our AI-driven approach enables instant loan approvals for more than two-thirds of our borrowers, with fully automated processes. As a digital-first company, most of our employees can live and work anywhere in the United States, with offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

The Team

The ML Auto team at Ohiox is responsible for building production ML models to underwrite all auto loans issued by our company. These models assess the true risk of our borrowers using the latest methodologies and are at the core of our value creation.

As a Research Scientist in ML Auto at Ohiox, you will work in a fast-paced team focused on feature research, model improvement, and model deployment. You will directly work on business-critical models, contribute to key business metrics, and tackle challenges such as:

  • Developing new model architectures
  • Understanding and developing features from new data sources
  • Understanding the impact of the macroeconomic environment on our borrowers
How You'll Make an Impact

You will autonomously develop and deploy production models, contribute to a high-quality modeling codebase in Python, quickly prototype and test ideas, research novel modeling techniques, and work collaboratively with a cross-functional team consisting of research scientists, software engineers, and product managers.

Minimum Qualifications
  • Excellent critical thinking
  • Bachelor's degree in a scientific discipline (Math, Physics, Computer Science)
  • 2+ years of experience in Machine Learning or a similar field
  • Proficiency in a programming language (Python preferred)
  • Proficiency in Statistical/Probability/Machine Learning theory
  • Ability to communicate effectively to a non-technical audience
Preferred Qualifications
  • Masters or PhD in a quantitative discipline (Math, Physics, Economics, Computer Science)
  • 4+ years of experience in Machine Learning or a similar field
  • Experience leading junior members in a technical team
  • Deep expertise in a programming language (Python preferred)
  • Deep expertise in Statistical/Probability/Machine Learning theory
  • Excellent communication skills to a non-technical audience
Position Location

This role is available in the following locations: Remote. Preference for the Bay Area.

Time Zone Requirements

The team operates on the East/West coast time zones.

Travel Requirements

As a digital-first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S, but are encouraged to spend high-quality time in-person collaborating via regular on-sites.

What You'll Love
  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Ohiox
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and on-sites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices

At Ohiox, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location, with our 'digital-first' philosophy, Ohiox uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Ohiox provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range $123,200 — $170,500 USD Ohiox is a proud Equal Opportunity Employer.

We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices.

We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email

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