Parafin

About Us:At Parafin, we’re on a mission to grow small businesses. Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities. Join us in creating a future where every small business has the financial tools they need.About the PositionWe are looking for a Data Analytics Engineer to build and scale the data models, pipelines, and analytics infrastructure that power decision-making across Parafin. You'll design reliable datasets, transform raw data into trusted business metrics, and partner closely with Product, Engineering, Finance, Risk, and Operations. You'll also leverage modern AI tools to accelerate development and help build scalable, efficient analytics workflows. Your work will enable teams across the company to make better decisions and help us build products that expand access to financial services for small businesses.Are you a curious, analytical, and collaborative individual with a passion for turning large, complex datasets into actionable insights? If so, come join us!What You’ll Be Doing:<ul><li>Build and maintain scalable data pipelines that power analytics data models and trusted datasets.</li><li>Write efficient SQL to transform, validate, and optimize data for analytics and reporting.</li><li>Leverage AI tools to accelerate development, improve productivity, and streamline analytics workflows.</li><li>Develop and maintain dashboards, reports, and self-service analytics for business stakeholders.</li><li>Partner with Product, Engineering, Finance, Risk, and Operations to understand data needs and deliver data-driven solutions.</li><li>Monitor data quality, investigate discrepancies, and improve the reliability of our data.</li><li>Contribute to the continuous improvement of Parafin's analytics infrastructure and analytics engineering practices.</li></ul>What We’re Searching For:<ul><li>1–3 years of experience in Analytics Engineering, Data Analytics, Business Intelligence, Data Engineering, or a similar role.</li><li>Strong SQL skills.</li><li>Experience working with relational databases and data warehouses.</li><li>Experience with Python or another scripting language.</li><li>Familiarity with dbt or a desire to learn modern analytics engineering tools.</li><li>Experience building dashboards in Looker, Tableau, Sigma, Mode, or similar BI tools.</li><li>Strong analytical and problem-solving skills.</li><li>Excellent communication and collaboration skills.</li><li>Bachelor's degree in Computer Science, Statistics, Engineering, Mathematics, Economics, or a related quantitative field (or equivalent experience).</li></ul>We Prefer If You Have:<ul><li>Knowledge of data modeling and analytics engineering best practices.</li><li>Experience with Databricks, Snowflake, BigQuery, or other cloud data platforms.</li><li>Experience with Git and version control.</li><li>Familiarity with Airflow, Dagster, or other workflow orchestration tools.</li><li>Experience working with financial services, lending, payments, or product analytics data.</li><li>Experience in a startup or other fast-paced, high-growth environment.</li></ul>What We Offer<ul><li>Salary Range: $180k - $220k</li><li>Equity grant</li><li>Medical, dental &amp; vision insurance</li><li>Unlimited PTO</li><li>Work from home flexibility</li><li>Commuter benefits</li><li>Free lunches</li><li>Paid parental leave</li><li>401(k)</li><li>Employee assistance program</li></ul>If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.

Data Analytics Engineer

About Us:At Parafin, we’re on a mission to grow small businesses. Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities. Join us in creating a future where every small business has the financial tools they need.<h2>The Data Science Team</h2><h3>Our Impact</h3>Data is core to Parafin's mission to grow small businesses. Our platform partnerships and portfolio provide rich insight into SMB financial health, allowing us to create fair, automated, and broad access to financial services. As Parafin scales, the breadth and depth of our data grows with it, amplifying the impact we can have on customers and the trajectory of the business.<h3>Our Team</h3>Enthusiasm, skepticism, and respect for data are in our DNA – two of our co-founders were PhD data scientists at Robinhood. Since our founding, we have grown the team to include perspectives from graduate studies in physics, mathematics, bioengineering, economics, financial engineering, and electrical engineering and professional experience at Robinhood, Uber, Lyft, Airbnb, Faire, Segment, Facebook, and Google. We value first-principles thinking, attention to detail, and craftsmanship. <h3>Our Work</h3>Our mission is to help Parafin succeed by leveraging the vast data that powers our platform. Our team partners closely with leaders across the company to drive impact. This role's scope includes:Growth: We design experiments and analyses that expand access to capital while keeping the portfolio healthy. Example projects:<ul><li>Designing experiments that navigate the tradeoff between growth and risk — expanding access to capital while keeping the portfolio healthy</li><li>Studying the full merchant lifecycle — first offer, repayment, repeat capital — to find where we can responsibly extend more</li><li>Modeling how a prospective partner's portfolio would perform on our platform, so we can size new opportunities before launching</li></ul>Portfolio Monitoring &amp; Servicing: We build models and tooling that forecast portfolio performance and measure the impact of our servicing efforts on merchant outcomes. Example projects:<ul><li>Building and shipping ML models (XGBoost and friends) that forecast merchant repayment behavior — from feature engineering through production deployment — to inform how we price and size offers</li><li>Measuring whether our servicing actually works — how much balance we recover after reaching out to a struggling merchant, and what interventions move the needle</li></ul>Infrastructure: We build the data pipelines, automated systems, and internal tools that let the rest of the company operate at scale. Example projects:<ul><li>Building the data pipelines that power every analysis, dashboard, and ML model across the company</li><li>Automating processes — lien filings, KYC checks, fraud screens — using APIs, ML, and LLMs</li><li>Building internal tools — Streamlit apps, dashboards, Slack bots — that the rest of the company uses every day</li></ul>Beyond these focus areas, our team helps expand our impact by recruiting exceptional talent, improving our tools, and supporting each other through regular seminars and project reviews.<h2> About You</h2><h3>Your Impact</h3>You will make an outsized impact on Parafin's trajectory by leading projects from end to end. You will quickly learn new methods, apply them across diverse areas of the business, and implement them robustly. You will develop expertise in specific areas of the business, but may tackle projects across domains as our priorities evolve.<h3>Your Background and Skills</h3>Bachelor's Degree (or higher) in Computer Science, Statistics, Mathematics, Data Science (or related fields). We believe the most effective data scientists bring the following skills to their work:<ul><li>Statistical Reasoning<ul><li>Approach data analysis with a critical, intellectually honest eye</li><li>Design concise metrics that guide decision making</li><li>Use robust causal inference methods</li><li>Develop valid and predictive machine learning models</li></ul></li><li>Business Acumen<ul><li>Identify and effectively prioritize business problems</li><li>Solve business problems using appropriate data science techniques</li><li>Anticipate the impact of your work on our financial performance, customers, and compliance obligations</li></ul></li><li>Engineering Mindset<ul><li>Write legible, reliable, and tested code</li><li>Build or source tools to boost the team's efficiency</li><li>Contribute to model and data infrastructure design</li></ul></li><li>Leadership and Collaboration<ul><li>Model Parafin's values of efficiency, intellectual honesty, accountability, and empathy</li><li>Build trusted relationships with stakeholders</li><li>Document work, seek feedback, and share learnings proactively</li><li>Mentor other DS members on the team</li><li>Management experience, a plus!</li></ul></li><li>Focused Execution<ul><li>Prioritize high-impact use of your time</li><li>Scope projects rigorously</li><li>Act with urgency</li></ul></li><li>AI Tool Fluency<ul><li>Rapidly learn and adopt emerging AI tools and workflows to accelerate analysis</li><li>Critically evaluate AI-generated outputs for accuracy and reliability</li></ul></li></ul>What We Offer<ul><li>Salary: DS / Senior DS: $200k - $260k + EQStaff/Principal: $265-330k + EQ</li><li>Equity grant</li><li>Medical, dental &amp; vision insurance</li><li>Work from home flexibility</li><li>Unlimited PTO </li><li>Commuter benefits</li><li>Free lunches</li><li>Paid parental leave</li><li>401(k)</li><li>Employee assistance program</li></ul>If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.

Data Scientist

About Us:At Parafin, we’re on a mission to grow small businesses. Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities. Join us in creating a future where every small business has the financial tools they need.Our ImpactData science is integral to Parafin’s mission. Our platform partnerships and lending history provide rich insights into the financial health of small businesses around the world. This empowers us to create fair, automated, and broad access to financial services. As Parafin scales, the breadth and depth of our data grows with it, amplifying the impact we can have on customers and the trajectory of our business.Our TeamEnthusiasm, skepticism, and respect for data are in our DNA – two of our co-founders were PhD data scientists at Robinhood. Since our founding, we have grown the team to include perspectives from graduate studies in physics, mathematics, bioengineering, economics, financial engineering, and electrical engineering and professional experience at Robinhood, Uber, Lyft, Airbnb, Faire, Segment, Facebook, and Google. We value first-principles thinking, attention to detail, and craftsmanship.Our Work The underwriting team builds and relentlessly improves the systems that determine eligibility, sizing, and pricing for Parafin lending products. Every dollar originated by the company is derived from underwriting’s business-critical assets. Our work ensures that Parafin stands out among lenders for its distinctive ability to use data and technology, and deliver a highly automated, accurate, and fair lending experience.Our team partners closely with leaders across the company to shape what is possible: how can we make our underwriting more reliable? What data is most important to collect, to provide the best outcomes and growth? What new markets and products should we expand into? We look for teammates who balance the creativity and courage to implement new ideas, with the scientific rigor that helps ensure those ideas succeed.Example projects:<ul><li>Training a quantile regression model to forecast the distribution of SMB revenues and precisely size our financing offers</li><li>Using LLMs to help build a risk model and forecast that lets us underwrite merchants on banking transaction data</li><li>Performing risk-based pricing optimization and experimentation</li><li>Collaborating with engineering to build a modular real-time underwriting system</li><li>Building a simulation platform to model and evaluate conversion and risk exposure across varied configurations for our financing offers</li><li>Ingesting new data sources from both 3rd parties and partner platforms, and evaluate their use in improving our risk predictions</li></ul>Beyond these focus areas, our team helps expand our impact by recruiting exceptional talent, improving our tools, and supporting each other through regular seminars and project reviews.<h2>About You</h2>Your ImpactYou will make an outsized impact on Parafin’s trajectory by leading projects from end to end. You will quickly learn new methods, apply them across diverse areas of the business, and implement them robustly. You will develop expertise in specific areas of the business, but may tackle projects across domains as our priorities evolve.You’ll own the full data-science lifecycle, from research to deployment, to power our underwriting engine. Specifically, you will:<ul><li>Design, train, and deploy production underwriting models</li><li>Design experiments and metrics to drive risk and pricing decisions</li><li>Partner with engineering and product teams to architect automated underwriting systems</li><li>Identify business opportunities to improve growth and profitability via improvements to our underwriting posture</li></ul>Your Background and SkillsWe are open to candidates from a variety of academic backgrounds and professional experiences. We believe the most effective data scientists bring the following skills to their work:<ul><li>Statistical Reasoning<ul><li>Approach data analysis with a critical, intellectually honest eye</li><li>Design concise metrics that guide decision making</li><li>Employ robust experimental design and causal inference methods</li><li>Develop valid and predictive machine learning models</li></ul></li><li>Business Acumen<ul><li>Identify and effectively prioritize business problems</li><li>Solve business problems using appropriate data science techniques</li><li>Anticipate the impact of your work on our financial performance, customers, and compliance obligations</li></ul></li><li>Engineering Mindset<ul><li>Write legible, reliable, and tested code</li><li>Build or source tools to boost the team’s efficiency</li><li>Architect technical systems that are highly scalable, reliable, and observable</li></ul></li><li>Leadership and Collaboration<ul><li>Model Parafin’s values of efficiency, intellectual honesty, accountability, and empathy</li><li>Build trusted relationships with stakeholders</li><li>Document work, seek feedback, and share learnings proactively</li></ul></li><li>Focused Execution<ul><li>Prioritize high-impact use of your time</li><li>Scope projects rigorously</li><li>Act with urgency</li></ul></li></ul>What We Offer<ul><li>Salary: DS/ Senior DS: $200k - $260k + EQ Staff/Principal: $265-330k+ EQ</li><li>Equity grant</li><li>Medical, dental &amp; vision insurance</li><li>Work from home flexibility</li><li>Unlimited PTO </li><li>Commuter benefits</li><li>Free lunches</li><li>Paid parental leave</li><li>401(k)</li><li>Employee assistance program</li></ul>If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.

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Data Analytics Engineer

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Data Scientist, Underwriting

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