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Senior Data Scientist, Payments & Fraud

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Lime

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Location:
United States; Canada

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Category:
IT - Software Development

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Contract Type:
Not provided

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Salary:

150000.00 - 207000.00 USD / Year
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Job Description:

As a Senior Data Scientist specializing in Payments & Fraud, you will play a pivotal role in reducing revenue leakage, safeguarding platform integrity, and optimizing the user payment experience. You will leverage data science, experimentation, and machine learning to detect and prevent fraud and abuse, streamline payment flows, and evaluate the effectiveness of risk mitigation strategies. Partnering closely with Product, Engineering, Operations, and Finance teams, you will provide the insights and tools needed to make informed decisions, balance fraud prevention with user experience, and drive business efficiency. This role combines analytical rigor with strong business acumen to deliver measurable impact across Lime’s payments ecosystem.

Job Responsibility:

  • Design and evaluate strategies to reduce fraud and abuse across promotions, referrals, refunds, and payment flows
  • Develop and improve machine learning models, rules-based systems, and heuristics to detect high-risk behavior while minimizing false positives
  • Analyze experimental and observational data using A/B testing and causal inference to measure the effectiveness of interventions in payments and fraud prevention
  • Identify and quantify key friction points in the payments funnel (e.g., latency, failure rates, PSP routing), and partner with Engineering to improve reliability and speed
  • Build dashboards, reports, and self-serve tools to empower teams with visibility into fraud trends, payment performance, uncollected revenue, and risk tradeoffs
  • Collaborate on incident response and root cause analyses for fraud and abuse events, ensuring rapid mitigation and long-term prevention
  • Stay informed on evolving fraud tactics, risk mitigation techniques, and payment technologies to proactively shape Lime’s strategy

Requirements:

  • MS or PhD in Statistics, Economics, Computer Science, Applied Mathematics, Operations Research, or a related quantitative field
  • 5+ years of industry experience as a Data Scientist, with a focus on payments, fraud detection, risk mitigation, or user trust
  • Deep understanding of probability and statistics, including causal inference and experimental design
  • Proficiency in SQL and Python, with end-to-end experience with data—including querying, data manipulation, aggregation, analysis, visualization, and model deployment
  • Machine Learning & Modeling: Strong understanding of predictive modeling, price elasticity estimation, and customer segmentation techniques
  • Business Acumen: Strong intuition for how pricing and loyalty strategies impact revenue, customer behavior, and long-term retention
  • Strong communication skills with the ability to convey technical concepts to non-technical stakeholders
What we offer:
  • Comprehensive Health & Wellness: A choice of medical, dental, and vision plans. We also provide company-paid life and disability insurance and company-funded mental health benefits
  • Financial & Retirement Planning: 401(k) plan with both pre-tax and Roth options, and access to a Health Savings Account (HSA) with a monthly company contribution
  • Family & Fertility Support: Paid parental leave for birthing and non-birthing parents, plus fertility and family-forming benefits
  • Paid Time Off: Unlimited vacation, paid leaves, and 10 company holidays
  • Unique Lime Perks: Complimentary use of Lime vehicles in participating cities, a monthly phone allowance, dedicated learning and development days, and access to perks including One Medical, Wellhub, and Headspace
  • Offers Equity
  • Offers Bonus

Additional Information:

Job Posted:
February 20, 2026

Employment Type:
Fulltime
Work Type:
Remote work
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