About Gerald Technologies, Inc

Paying bills sucks. It sucks even more for about a third of Americans living paycheck to paycheck, and struggling to pay bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills, and are forced to manually log into and pay up to 10 biller accounts each month. Why are so many people wasting their time and energy manually paying bills to avoid overdraft fees? Because they are not using Gerald!

Gerald is on a mission to eliminate stress about paying bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying their household bills while offering overdraft and late fee protection for all their biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.

Our platform combines fintech, payments, and big data to create an empowering and rewarding user experience for making timely bill payments.

About the role

Skills: Python, SQL, PostgreSQL, Amazon Web Services (AWS)

About Gerald

Paying bills sucks. It sucks even more for about a third of Americans living paycheck to paycheck, and struggling to pay bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills, and are forced to manually log into and pay up to 10 biller accounts each month. Why are so many people wasting their time and energy manually paying bills to avoid overdraft fees? Because they are not using Gerald!

Gerald is a Y Combinator-backed technology company based in New York. Our platform combines fintech, payments, and big data to create an empowering and rewarding user experience for making timely bill payments.

Read more about us here →

Our mission

Gerald is on a mission to eliminate stress about paying bills. Gerald provides consumers with overdraft and late fees protection for their household bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.

❓ Role Summary

The role requires a mix of strong technical expertise, engineering best practices, business engagement, hands-on architecture, projects delivery, and cross-team collaboration. In particular, as a Data Scientist in the Gerald Data Science team, you should possess an in-depth knowledge of object-relational mapping, experience with server-side logic, and knowledge of Python programming/scripting. You should have good understanding of machine learning models and data science concepts. You will also be responsible for writing and testing scalable code, developing back-end components, and integrating user-facing elements in collaboration with other developers. If you understand how to balance speed, long-term scalability and performance, want to contribute ideas and be part of a small team building a lot of things from scratch, this may be the opportunity for you.

Location: Remote in US

⚡ What you'll do

Build services that are part of our proprietary decision engine—the core of Gerald's product
Develop statistical machine learning models and data pipelines to serve Gerald's decision engine
Develop backend components to enhance performance, receptiveness, and server-side logic and constantly improve the platform
Create RESTful APIs development using Python Flask or Django REST framework
Understand, analyze, and implement business needs, feature modification requests and conversion into software components
Demonstrate good DevOps practices
Write efficient, reusable, testable, and scalable code
Find scalable solutions to challenging technical problems
Write technical documentation, lead code reviews and pair programming sessions
Keep current with industry trends and developments that can be applied to company needs
Be a technical leader within the team you work with and within Gerald in general

🎯 What we're looking for

3+ years of experience as a Python Developer
Experience using various Python libraries, like Pandas, SciPy, Sklearn, Tensorflow, PyTorch, and tools, such as Jupyter
Experience in developing AI/ML and data science modules
Strong experience working with any SQL databases such as PostgreSQL is required. NoSQL database (such as MongoDB) experience will be an advantage.
Experience in developing data engineering pipelines & ETL jobs
Experience in building API and services and writing unit tests
Proficient understanding of code versioning tools such as GitHub
Experience in FinTech space is a super plus!
Familiarity with Amazon Web Services (AWS) such EC2, S3, RDS, Athena, AWS Glue, etc.
Knowledge of Docker and CI/CD is an additional advantage
Bachelor's degree in Computer Science, Computer Engineering, or related field

🤗 Who you are

Excellent written and verbal communication skills
Strong attention to detail
Head for problem-solving
Having a flexible working style
Being a team player
Comfortable with working unsupervised

📐 Why Gerald?

Huge opportunity. About a third of Americans live paycheck to paycheck, and are struggling to pay their bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills. We have the ability to help a lot of people profitably.
Challenging problems. With every single customer that we onboard, it means we are dealing with millions of data records. The challenge is to scale up the product to handle so much data and process it efficiently, while taking all measures to ensure the security of the data. The goal is to make our system learn as quickly as possible so that it can give very accurate predictions when making suggestions related to consumers.
A great team. Our founding team has deep expertise in financial services, product engineering, data science, and machine learning, as well as degrees from MIT, Harvard, Columbia, Georgetown, and Yale. We try to take a scientific, data-driven approach whenever possible.
Culture. Having worked at high growth, early stage startups in the past, our team understands the value of work-life balance. We take weekends off and go on paid vacations.
Resources and growth. We're well capitalized with seed funding and are backed by Y Combinator and other top tier investors. We keep a lean team, and this is a rare opportunity to join us - you'll learn a lot, build cool products, and grow as our company scales!

🙌 What we offer

Flexible working hours
Generous paid vacation
Work from home opportunity
Opportunity as one of our first hires to take on significant responsibility and ownership in your department that will have a huge impact on the growth of the company

Technology

With every single customer that we onboard, it means we are dealing with millions of data records. The challenge is to scale up the product to handle so much data and process it efficiently, while taking all measures to ensure the security of the data. The goal is to make our system learn as quickly as possible so that it can give very accurate predictions when making suggestions related to consumers.

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