About Highbeam

Highbeam is an operating banking and cash management platform for businesses that sell physical goods.

Traditional banks have underserved consumer brands for decades. They charge fees, provide clunky backend software, bureaucratic service, zero interest on cash, no credit, and offer no intelligence on transaction data. Highbeam does the opposite. We automatically sweep idle cash to high yield, provide cash projections, bill pay functions, a user-friendly interface, smart credit, great service, and more. The results are significant savings for our customers in both time and money. We’re turning banking from a cost centre into a profit centre, and helping small businesses make a better living.

We already have hundreds of customers that collectively produce over $1B in GMV (gross merchant volume). We’re on a mission to give brands between $5M and $200M in sales the financial capabilities of the largest brands — but without needing the extra head count. How do we do this? We help automate tasks that treasury and financial planning & analysis teams today do manually.

Our small but mighty team comes from places like Shopify, Square, Rippling and Toast. We have raised $7M+ in equity from FirstMark and Mayfield. We are are based in New York and Toronto.

About this role

We’re looking for a founding data scientist to help define the strategy behind Highbeam’s breadth of data including: risk, product, as well as company metrics overall. You’ll work directly with leadership, product, engineering, risk and operations to develop, test, and iterate on company strategy, as well as underwriting models and product analytics.

Risk analytics

Your work will directly impact how we evaluate borrower performance, monitor portfolio health, and automate credit decisions, enabling us to extend smarter, faster, and safer capital to high-growth consumer brands.

Business intelligence

Collaborate directly with leadership and help direct overall company strategy, measure business performance, and influence how we measure success.

Product analytics

You’ll also get the opportunity to work with product to help inform product direction and deep dive into individual product performance.

This is a unique opportunity to build the underwriting engine behind a next-gen financial platform, and to work on a breadth of technologies at a fast-growing fintech.

This role will be in-person in New York.

What you’ll do

• Develop data-driven underwriting models and strategies based on ecommerce performance, bank data, and behavioral signals
• Build and iterate on risk monitoring dashboards and loan performance tracking tools
• Partner with credit and engineering teams to productionize and monitor scoring models
• Partner with leadership to business metric dashboards to help drive company and product strategy
• Design experiments to evaluate the predictive value of new data sources and features
• Help define the KPIs and data architecture that supports product growth
• Identify edge cases, default patterns, and opportunities for deeper segmentation
• Contribute to the strategy behind automating more of the underwriting process