Company Description

At RIVO, you will find we recognize hard work and performance, foster a culture of growth, and encourage collaboration across departments. We value the unique skills and experiences that each employee brings to the table, recognizing that this diversity strengthens our company and helps us fulfill our core values: Respect, Integrity, Value, and Opportunity. If you share these same values and are eager to grow both personally and professionally, we encourage you to explore opportunities with us and apply today to join our dynamic team!

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Just named a 2025 Top Workplace in the Financial Services Industry! Check out our most recent award article by clicking HERE!

Job Description

**This is a fully on-site role. Hybrid/remote work is not available at this time**

We are unable to sponsor or take over sponsorship of an employment Visa at this time**

Are you early in your data science career and eager to work on real, production‑impacting models? RIVO is excited to find our next Junior Data Scientist to join our Data Team and help build the data pipelines, features, and model experiments that power our decision‑making tools within our Risk & Underwriting teams.

This is a great role for someone who is eager to learn and be mentored by senior team members, loves hands‑on data work, and has a knack for solving analytical problems. If you're excited about solving meaningful problems with data — and growing your skills along the way — we’d love to hear from you!

What You’ll Do:

Build and maintain feature pipelines that support risk and underwriting models.
Use Python and SQL to explore, transform, and prepare datasets for modeling.
Assist with training, validating, and monitoring predictive models — including probability‑of‑default and other underwriting scores.
Support A/B testing and champion/challenger experiments to evaluate new features and model improvements.
Look for opportunities to apply AI tools to streamline workflows and enhance analysis
Identify and troubleshoot data quality issues such as anomalies, schema drift, or inconsistent signals.
Collaborate with Underwriting, Data Engineering, and Analytics partners to translate business questions into analytical solutions.
Contribute to improving our model infrastructure, pipelines, and analytical workflows.

Why You’ll Love Working Here:

Collaborative team culture with strong mentorship to grow your data science skills
Work directly on high‑impact models used across the business
Exposure to real‑world ML workflows in production
Opportunities to grow into more advanced modeling, experimentation, or analytics engineering paths

Qualifications

What You Bring:

Bachelor’s degree in Data Science, Computer Science, Statistics, Mathematics, Economics, Engineering, or a related quantitative field required.
1–3 years of experience (including internships) in data science, analytics, or a similar applied role required.
A strong foundation in Python and SQL for data manipulation and modeling.
Solid understanding of core machine learning concepts (classification, validation methods, evaluation metrics).
Familiarity with EDA and hands‑on experience working with structured (and ideally some unstructured) datasets.
A growth mindset — you’re eager to learn, ask thoughtful questions, and proactively seek clarity when needed.
A natural sense of curiosity and genuine passion for data science and machine learning.
Willingness to upskill independently, explore new tools or techniques, and bring fresh ideas to the team.
A proactive interest in using AI tools to learn faster, work smarter, and boost team impact.
Strong attention to detail and an appreciation for clean, well‑structured, reliable data.
Comfortable communicating your findings clearly to your manager and project partners.
Experience with Git/GitHub is a plus (or excitement to learn it quickly).

Additional Information

Company Benefits

Optimal Work-Life Balance: Benefit from a schedule with no evening or weekend work – enjoy your weekends for relaxation and personal time
Childcare & Family Support: Receive up to $5,000 annually in childcare reimbursement to ease the balancing act of work and family & Exclusive access to comprehensive fertility treatment coverage to financially support your family-building journey
Stay Fit for Free: Join our FREE weekly group workouts and keep your health and energy levels at their peak
Company Events & Social Hours: Enjoy regular happy hours and company-wide events to celebrate achievements and build community with fellow employees
Padres Tickets: Catch a Padres game with exclusive access to season long raffle drawings in the RIVO ticket section. Go Padres!
Daily Perks: Savor FREE coffee, energy drinks, and snacks – fueling your productivity and satisfaction!
Parking & Commute Made Easy: Say goodbye to commuting hassles and high gas prices – enjoy a company-paid parking or MTS pass
Dedication Incentives: Opportunity to earn more money with our perfect attendance incentive – your dedication and reliability deserve recognition
Generous Time Off: Recharge and live your best life with company paid holidays and PTO each year
Comprehensive Health Coverage: Benefit from medical, dental, and vision plans with a 70/30 cost share—because your well-being is our priority
Secure Your Future: Take advantage of our 401(k) plan with employer matching to invest in your future with confidence

We offer a comprehensive compensation and benefits package where you will be rewarded based on your performance and recognized for the value you bring to the business. A reasonable estimate of the salary range for this job is $87,500.00 to $101,000.00. Individual salaries within those ranges takes into account the wide range of factors that are considered in making compensation decisions including but not limited to education; experience and training; licensure and certifications; knowledge and skill sets; and other business and organizational needs.

RIVO Holdings, LLC is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, citizenship status, disability, age (40 years old or older) and genetic information (including family medical history), past or present military or veteran status, or any other characteristic protected by applicable law.

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