Data Scientist II

About us:
Build the future of banking.

Zeta is a next-generation banking technology company providing cloud-native, fully stackable processing and core banking platforms for issuers. With a focus on scalability, compliance, and innovation, Zeta empowers financial institutions to modernize their technology infrastructure and deliver secure, seamless digital banking experiences.

Our impact runs at real-world scale. Today, over 25 million cards are live on Zeta-powered platforms across 7 countries, supported by a passionate team of 1,700+ Zetanauts across India, the US, EMEA, and Asia. Backed by SoftBank Vision Fund, Mastercard, and other reputed strategic investors, we reached a valuation of $2 billion in 2025.

Our focus is on establishing product lines that focus on key outcomes by addressing real customer pain points, modernizing legacy systems, and strengthening core fundamentals. As a result, our systems and platforms support a wide range of banking and payments capabilities, including:

1. Tachyon, our cloud-native banking stack built for population-scale systems
2. Cipher, our unified authentication platform for secure, high-volume banking environments
3. Digital Credit as a Service, enabling banks to launch credit lines on UPI
4. Elena, our intelligent and conversational AI platform for banking
5. Pixel, India’s first digital-native credit card, launched in partnership with HDFC Bank, for whom we also revamped their PayZapp mobile app: Winner of the Celent Model Bank Award for Payments Innovation 2024
6. Sparrow, the leading card experience for non-prime cardholders in the US
…and more across cards, payments, lending, and core banking.

We are an engineering-first organization that values ownership, bias for action, and long-term thinking. Together, we solve some of the hardest problems in banking tech. Our culture is built around trust, collaboration, and creating the conditions for you to drive impact proportionate to your potential. Reinforcing our commitment to creating an inclusive and supportive workplace, we have been consistently recognized as a Great Place to Work.

If you want to build cutting-edge banking tech that enables banks to serve millions reliably, securely, and at a population scale, Zeta is your playground.
If you would like to learn more about how we have grown and evolved over the years, watch our journey here. You can also explore our website and follow us on LinkedIn, Instagram, YouTube, and X.

The Role::
• This role provides an exciting opportunity to be at the forefront of AI innovation, contributing to the development and implementation of solutions that push the boundaries of technology.
• If you are passionate about AI, thrive in a collaborative environment, and enjoy driving impactful projects, this position offers a platform for creativity and professional growth. Join us in shaping the future of AI applications

Responsibilities::
• Integration: Collaborate with software engineers to deploy and integrate data models into production systems, ensuring scalability, reliability, and efficiency.
• Metrics Identification: Identify key business metrics, offering insights that inform decision-making processes and recommending product features when necessary.
• Concept Development and Design: Collaborate with cross-functional teams to brainstorm and refine ideas for AI-powered solutions and various NLP/ML use cases. Translate business requirements into technical specifications for models and algorithms. Design and develop innovative solutions that address specific business challenges and enhance user experience.
• Model Development and Optimization: Develop and implement machine learning models using Python, R, or other relevant programming languages. Employ deep learning techniques and algorithms to extract meaningful insights from large datasets. Continuously improve and optimize models to achieve high accuracy and performance.
• Exploratory Data Analysis and Insights: Conduct exploratory data analysis to uncover patterns, trends, and hidden relationships within data. Utilize statistical and data mining techniques to extract valuable insights from unstructured data. Generate actionable recommendations and insights for future product development and feature enhancements.
• Rapid Prototyping and Deployment: Quickly prototype AI solutions to test and validate their effectiveness. Collaborate with software engineers to seamlessly integrate AI models into production systems. Ensure the scalability, reliability, and efficiency of deployed AI solutions.
• Communication and Collaboration: Effectively communicate technical concepts and findings to non-technical stakeholders. Create clear and comprehensive documentation to capture project details, methodologies, and results. Collaborate with software engineers, product managers, and operations teams to bring AI solutions to life.
• Business Impact and Metrics: Identify key business metrics that can be positively impacted by AI solutions. Track and monitor the performance of AI models on relevant business metrics. Recommend product features and enhancements based on data-driven insights and AI-generated recommendations.

Skills::
• Quantitative and Problem-Solving Skills: Strong quantitative and problem-solving skills
• NLP and Data Science Libraries: Solid understanding of NLP and knowledge of essential data science libraries, including Pandas, Numpy, Scipy, and Scikit-Learn
• Python Programming: A good hands-on experience with Python used in data analysis and model building
• Distributed Computing Experience: Experience with Hadoop, Spark, or other distributed computing systems for large-scale training
• Machine Learning Techniques: Strong understanding of supervised (decision trees, random forests, boosting, etc.) and unsupervised ML techniques

Experience and Qualifications::
• Master's or Bachelor's degree in Machine Learning/Data Science, Applied Statistics, Mathematics, or Engineering
• Minimum 2+ years of relevant experience with a proven track record of developing ML solutions.

Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success.