Top Tech Jobs & Startup Jobs in San Francisco Bay Area, CA

Leads the development, deployment, monitoring, and governance of machine learning and statistical models supporting credit, fraud, collections, pricing, and marketing. Sets the modeling roadmap, manages and mentors data science teams, partners with risk, engineering, compliance, and marketing stakeholders, and ensures regulatory compliance and model interpretability. The role also advances ML infrastructure, experimentation, AI adoption, and cross-functional delivery.

Own the architecture and development of Databricks-based data platform frameworks and infrastructure. Build configuration-driven ingestion, reusable data protection libraries, infrastructure-as-code foundations, deployment standards, observability, and reliability capabilities at billion-row scale. Lead proofs of concept, architectural decisions, cross-functional delivery, technical reviews, mentoring, and engineering standards while partnering with data, governance, security, and source-system teams.

Manage FP&A activities for Consumer Lending and Operations, including budgeting, financial modeling, performance reporting, variance analysis, month-end close, and strategic analysis. Partner with business and Finance leaders to identify growth, profitability, and efficiency opportunities. Support Board reporting, earnings releases, regulatory examinations, M&A due diligence, and process automation using AI and other tools.

Provides strategic and tactical legal counsel for a consumer finance business. Advises on product development, marketing, partnerships, third-party management, consumer finance laws, regulatory developments, complaints, compliance reviews, and government examinations. Partners with Compliance, Risk, and business teams to implement legal requirements, improve processes, and manage strategic matters. May oversee legal team members.

Develop and monitor credit underwriting, pricing, loan amount, and verification strategies for personal loans. Analyze loan performance, risk-adjusted returns, credit losses, A/B tests, and expansion opportunities. Build KPI dashboards, conduct root-cause analysis, evaluate data sources, and communicate recommendations. Partner with Technology teams on strategy implementation and monitoring while using AI tools responsibly to support analysis and reporting.

Lead independent compliance testing reviews across consumer financial regulations, evaluating control design and effectiveness. Identify control gaps, recommend enhancements, analyze data, prepare testing reports, track remediation, and communicate risks to business partners and senior leadership. The role also supports audits, regulatory examinations, compliance initiatives, and data-driven testing capabilities while partnering across the organization to strengthen compliance risk management.

Leads Happen Bank’s Platform Engineering organization and owns AI infrastructure, DevOps, software delivery, enterprise testing, database administration, incident management, and observability. Sets multi-year platform strategy, builds shared services and guardrails, advances AI and testing capabilities, improves reliability and operational excellence, and develops a high-performing leadership organization. Partners with Technology and Product Engineering to align platform investments with company strategy.

Provides independent second-line oversight of marketing compliance across financial services communications. Establishes policies, controls, disclosures, and review procedures; assesses regulatory risk; approves marketing materials; partners with Marketing, Legal, Product, and Risk; supports audits and examinations; and improves automated, AI-assisted content review while maintaining human oversight.

Provides second-line compliance advisory oversight for personal lending products across the full lifecycle. Responsibilities include assessing regulatory risks and controls, developing policies and procedures, advising business partners, supporting monitoring and testing, managing regulatory changes and compliance issues, preparing risk reporting, and using AI to analyze compliance information. Requires strong knowledge of consumer lending laws, risk management, and banking compliance.

Owns Happen Bank’s online and mobile personal lending channel, including strategy, roadmap, execution, growth initiatives, and originations. Partners with Product, Marketing, Risk, Technology, and Finance to improve channel performance. Uses data, experimentation, personalization, and AI tools to drive decisions and optimize eligibility, pricing, and user experience. Independently manages priorities, communicates recommendations to senior stakeholders, and oversees initiatives from planning through delivery.