Intern Fintech Data Scientist Jobs (NOW HIRING)

"Rate is one of the nation's top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate's Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology - including Same Day Mortgage, the Rate App, FlashClose, MyAccount and the Language Access Program - has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain's Chicago Business. Learn more at rate.com."

Job Profile:

Data Scientist - Consumer Lending

Job Description Summary:

Rate is seeking a Marketing Cross-Sell Data Scientist with 5+ years of experience to drive data-informed cross-sell initiatives in the fintech space. This role partners with marketing, strategy, and data engineering teams to design tests, analyze performance, and develop and deploy machine learning models that improve customer engagement and business growth.

Job Description:

Rate is seeking a Marketing Cross-Sell Data Scientist with 5+ years of experience to drive data-informed cross-sell initiatives in the fintech space. This role partners with marketing, strategy, and data engineering teams to design tests, analyze performance, and develop and deploy machine learning models that improve customer engagement and business growth.

Key Responsibilities:

• Analyze multi-channel marketing data to identify performance drivers, customer behaviors, and optimization opportunities.
• Develop, validate, and deploy predictive models to improve Customer Lifetime Value and drive cross-sell conversion.
• Partner with marketing and sales teams to design, execute, and evaluate A/B tests, multivariate tests, geo-experiments, and holdout analyses while ensuring statistical rigor.
• Translate complex analyses into clear, actionable insights and recommendations for business stakeholders.
• Collaborate with data engineering and business teams to support data quality, integration, and accessibility across marketing and sales platforms.
• Monitor fintech and mortgage industry trends, consumer behavior, and regulatory considerations to inform marketing strategies.
• Apply best practices in data governance, privacy, fair lending, and responsible AI/model usage.

Required Skills & Qualifications:

• 5+ years of hands-on experience in data science, marketing analytics, or a related quantitative role supporting cross-sell, customer acquisition, or lifecycle marketing initiatives.
• Strong proficiency in SQL and Python and/or R for data analysis, statistical modeling, and experimentation.
• Experience with cloud platforms (AWS, GCP, Azure)
• Experience building and evaluating predictive models and designing statistically sound experiments.
• Familiarity with marketing and customer data sources such as Google Analytics, Adobe Analytics, CRM platforms, paid media platforms, and email marketing tools.
• Strong understanding of A/B testing methodologies, statistical analysis, and performance measurement.
• Excellent communication skills with the ability to translate technical findings into business recommendations for non-technical stakeholders.
• Bachelor's degree in Data Science, Mathematics, Statistics, Economics, Finance, Computer Science, or a related quantitative field.

Preferred Qualifications:

• Master's degree or other advanced degree in Data Science, Statistics, Mathematics, Economics, Finance, Computer Science, or a related quantitative field.
• Familiarity with platforms such as Salesforce, Encompass, Velocify, or similar CRM and lead management systems.
• Understanding of the mortgage customer lifecycle, lead management processes, and sales funnel optimization.
• Knowledge of regulatory, compliance, and data privacy considerations within financial services or mortgage lending environments.

We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent.The expected base salary range for this position is $145K to $165K.

Additional Job Description Summary:

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

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