Role: Product Data Scientist – JD attached need banking experience.
SFO, CA
3 days in Happen Bank office in SFO. 2 days WFH
Product Data Scientist, Home Improvement
About The Role
This role sits at the intersection of product analytics, experimentation, and data science — embedded directly with Product Management to help shape and grow our Home Improvement lending product. You’ll be the analytical backbone for a product team making high-stakes decisions about underwriting funnels, borrower experience, and growth, translating messy data into clear evidence and, where it counts, into models and instrumentation that ship. It’s a high-impact role for someone who is equally comfortable running a rigorous A/B test, writing a dbt model, and explaining a lift curve to a VP.
What You’ll Do
Partner day-to-day with Home Improvement Product Managers as their embedded data science and analytics resource — turning open-ended product questions into structured analyses and clear recommendations
Design, run, and interpret experiments (A/B and quasi-experimental) across the borrower funnel — from offer presentment through origination — with rigor around power, sample ratio mismatch, novelty effects, and interaction risk across concurrent tests
Define and own the metrics framework for the Home Improvement product line: north-star and guardrail metrics, funnel and cohort definitions, and the instrumentation needed to measure them reliably
Work with engineering to ensure event tracking and logging are complete, accurate, and well-documented at the point of instrumentation, not discovered as gaps after the fact
Build and maintain data pipelines and models (e.g., SQL/dbt transformations, feature pipelines) well enough to be self-sufficient for most analyses and to collaborate credibly with data engineering on the rest
Develop and validate statistical and ML models supporting product decisions — response/propensity models, funnel drop-off and conversion models, segmentation, and early-stage risk or pricing signals in partnership with credit strategy — with attention to fairness, explainability, and regulatory context appropriate to a lending business
Bring AI fluency to the work: use LLM- and agentic-tooling to accelerate exploratory analysis, requirements gathering, and documentation, while knowing where automated outputs need human judgment and validation before they inform a decision
Communicate findings in a way that drives action — clear write-ups, well-chosen visualizations, and recommendations tied to specific product or roadmap decisions, not just descriptive dashboards
Contribute to PI planning and roadmap discussions by sizing opportunities, flagging measurement risk in proposed initiatives, and helping the team commit to work that can actually be evaluated
Continuously monitor product and experiment performance post-launch, and proactively surface anomalies, regressions, or new opportunities rather than waiting to be asked
About You
5+ years of experience in a hybrid analytics/data science role (e.g., analytics consulting, product data science, applied statistics) with a track record of directly informing product decisions; bachelor’s degree or higher in a quantitative field, or equivalent combination of education and experience
You have strong grounding in statistics and experimentation — hypothesis testing, causal inference, experiment design, and you can explain the difference between a significant result and a meaningful one
You’re fluent in SQL and at least one scripting/statistical language (Python or R), and you’re comfortable enough with data engineering fundamentals (pipelines, transformations, data modeling) to build what you need and partner effectively with engineers on the rest
You can develop, validate, and communicate the tradeoffs of statistical and machine learning models, and you know when a simpler model or a well-designed experiment beats a complex one
You use AI tools in your day-to-day work — for exploratory analysis, documentation, and accelerating routine analytics — and you know when their outputs need scrutiny before they touch a product decision
You think like a consultant: you get to the real question behind the question, structure ambiguous problems, and land on recommendations stakeholders can act on
You have good judgment about rigor versus speed, and you don’t cut corners on measurement integrity just to hit a deadline
You’re a clear communicator who can flex between a technical conversation with engineering and a decision-focused conversation with product and business stakeholders
You’re curious about how data, experimentation, and AI can change what’s possible in consumer lending products, and you’re always looking for a better way to answer the question
Nice to Have
Background in fintech, consumer lending, or home improvement/contractor financing
Experience with CDP platforms, event instrumentation tooling (e.g., Segment, mParticle, Amplitude), or experimentation platforms
Hands-on experience with credit or risk modeling, pricing strategy, or marketing decisioning
Experience with dbt, Airflow, or similar data pipeline/orchestration tools
Prior experience embedded directly with product teams in an agile/scrum environment
Work Location
Remote / Flexible —Occasional travel to Happen Bank offices may be required as needed.
Time Zone Requirements
Flexible, with core overlap expected with Pacific Time hours
