nCino offers exciting career opportunities for individuals who want to join the worldwide leader in cloud banking.

Banks generate massive amounts of data - loan applications, portfolio performance, risk metrics, transaction patterns - but turning that data into intelligent action is where the real challenge lives. As a Senior Data Scientist on nCino's Data & AI team, you'll build machine learning models and predictive analytics that help financial institutions make smarter lending decisions, manage risk more effectively, and automate complex banking processes.

You'll work on a new fintech solution within Portfolio Analytics where your models become product features, not research projects. That means collaborating directly with engineers to deploy your work into production, monitoring model performance in real banking environments, and iterating based on actual business impact. You'll analyze complex datasets, prototype solutions, guide technical approaches, and translate messy business problems into clean analytical frameworks using Python, SQL, AWS services, and Databricks. Experience with financial markets is highly valued as you navigate the complexities of regulated financial data.

This role puts you at the center of AI innovation in banking. You're not building models in a vacuum, you're embedded with product teams solving real problems for real financial institutions. If you're energized by the challenge of making AI work in a regulated, high-stakes industry where your work directly influences how banks operate, let's talk.

Essential Functions:

• Applies developed knowledge and understanding of building large-scale machine learning, predictive modeling, and advanced analytics tools; proficient in multiple data-related programming languages

• Proficient creating machine learning, predictive modeling, and advanced analytics tools tailored to solve business problems

• Experience in large data sets and algorithms

• Considers and analyzes information from multiple data sources, including experience and input from others when determining the best approach for routine and non-routine problems

• Ability to prototype ideas and demonstrate pros and cons in a clear and concise manner

• Understanding of data science priorities and how each contributes to the success of nCino

• Demonstrates ability to acquire domain knowledge of the business and effectively applies this expertise to inform model development and problem-solving approaches

• ​Extensive experience in developing, deploying, and monitoring complex machine learning models

• Lead and guide teams in implementing programming best practices and adopting emerging technologies

• Leverage AI tools and techniques to enhance software development activities, including code generation, testing, debugging, and optimization.

• Apply AI insights to identify patterns, automate repetitive tasks, and improve overall development efficiency and product quality.

• Evaluate and integrate AI/ML capabilities where appropriate to strengthen product functionality and user experience.

• Maintain awareness of emerging AI trends and best practices to inform continuous learning and innovation.

Minimum Requirements:

• Undergraduate degree in Data Science, Statistics, Mathematics, Computer Science or a related field with 5+ years of related experience or combination of experience and education

• Demonstrated mastery of programming skills in Python or R

• Experience with data visualization tools (DOMO, AWS Quicksight, Tableau, etc.)

• Demonstrated mastery of machine learning algorithms and techniques

• Strong problem-solving skills and ability to work independently and collaboratively

• Strong experience with SQL or noSQL and database management systems

• Experience deploying and monitoring models in production

• Strong understanding of the business domain

• Ability to translate business questions into analytics projects and deliver actionable insights

• Flexibility and the ability to be productive in a fast-paced, team environment

• Excellent verbal and written communication skills for technical and non-technical audiences

• Familiarity with production code practices, including unit testing, object-oriented programming (OOP), error handling, logging, contract testing, and version control

Desired:

• Advanced degree in Data Science, Statistics, Mathematics, Computer Science or a related field

• Expertise in financial markets, particularly debt markets.

• Experience developing and deploying models using Databricks and mlflow

• Experience with AWS tools and services, including Lambda, Sagemaker, S3, Athena, Quicksight

• Experience with Agile software development

If you thrive in a high-energy, entrepreneurial environment, we invite you to share your passion, ideas and excitement at nCino.

The pay range for this role is based on relative market data and alignment with our compensation philosophy. The range displayed reflects the minimum and maximum of the pay range for each job posting, which is used to determine new hire rates/salaries and takes into consideration multiple factors including but not limited to knowledge, skills, abilities, proficiencies, experience, education, licensures/certifications, as well as business and organizational needs. nCino reserves the right to modify the posted range consistent with our internal practices and external market movement. The recruiter for this job posting can share more compensation details during the recruitment process, as base salary is only one component of the total compensation package per position posted.

The base salary range for this job is:

$107,900.00 - $183,400.00

nCino provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, genetics or other protected groups. In addition to federal law requirements, nCino complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

nCino is committed to the full inclusion of all qualified individuals. As part of this commitment, nCino will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact us at recruiting@ncino.com.

Our commitment to inclusion and equality includes a strong belief that the diversity of our team is instrumental to our success. We strive to create workplaces where employees are empowered to bring their authentic selves to work.