Data Scientist (NYC, L5/L6)

Nelo is a leading fintech in Mexico reimagining credit to expand consumer buying power. Founded in 2019 by former Uber international growth team leads Kyle Miller and Stephen Hebson, Nelo offers credit cards, BNPL loans, bill payments, and its own marketplace — all under one app — designed from first principles for a mobile-first, real-time payments world.

With $100M in annual revenue, $1B in annualized GMV, and $140M+ raised in equity and debt, Nelo is one of the most capital-efficient consumer fintech companies in Latin America. The company is profitable — positive operating profit in both 2024 and 2025. It runs lean and technical: 60 employees, 8 engineers, with AI driving underwriting, collections, and operations.

• HQ: Mexico City, Mexico; commercial and people operations in New York City

• Founded: 2019

• Team size: 60 FTEs

• Open roles: 10+

• Website: nelo.mx

• Stage: Post-Series A; $100M credit facility (Victory Park Capital, 2022); profitable

• Benefits: 401k, open PTO, medical, dental, vision, STD, LTD, fertility

Company values:

• Be your best selves: ambition, hard work, intellectual curiosity

• Everyone is an owner: all employees receive equity including customer support; 10-year option expiration; equity refreshers

• Customer first: product decisions grounded in customer benefit

• Open and honest communication: quarterly financials and board presentations shared company-wide; low tolerance for bureaucracy or gossip

• Move fast, learn fast: hundreds of experiments run monthly; rigorous experimentation culture

About The Role

As a data scientist at Nelo, you will be responsible for optimizing the overall performance of our credit and marketplace products. Specifically, you will

1. Develop machine learning and causality models upon which Nelo will make underwriting and portfolio management decisions

2. Create credit, personalization, ranking, and pricing algorithms

3. Design and analyze continuous experiments to provide insights and guide product and algorithm decisions

4. Lead machine learning infrastructure projects, including machine learning operations and observability

This role requires a deep knowledge of machine learning and statistics. Cross-functional collaboration is also needed.

We are looking for someone with a strong technical background and clarity of thought. You should be a great communicator and have the ability to drive impact based on your analyses.

This role is in-office in New York City.

Requirements:

• 5+ years of data science experience

• Deep understanding of classification models, forecasting models and ML techniques

• Deep understanding of causal inference, experiment design and measurements

• Deep understanding of optimization, including familiarity with formulating and solving constrained optimization problems

• Advanced with SQL and Python

Compensation and Benefits:

• Very competitive salary and equity

• 100% medical, dental & vision insurance coverage for you; 50% for dependents

• Unlimited PTO

• 401(k)

• Extended maternity and paternity leave

• Relocation support

• Sabbatical program