Data Scientist, Growth & Monetization

About Dovly AI

Dovly AI is shaking up the credit game with the first all-in-one AI credit engine that builds, fixes, and protects credit—empowering all Americans to boom financially, 100% free. Our mission is to tear down the walls to financial freedom.Since launching in 2018, Dovly AI has helped more than 1,000,000 people increase their credit scores by an average of 82 points1, with many surpassing 100 points—unlocking access to life-changing financial opportunities.

Headquartered in Phoenix, Arizona, Dovly AI is one of the fastest-growing SaaS companies in the state, with a global team and trusted fintech partners including Visa, Chime, MoneyLion, and Self.

The Role

We’re looking for a high-impact Data Scientist to unlock deeper customer insights, drive smarter marketing decisions, and build models that boost user engagement and monetization. This is a hands-on, business-critical role — ideal for someone who thrives at the intersection of growth, product, and analytics.

This is a pivotal hire. You’ll be the engine behind smarter decision-making across our most important channels. You’ll shape how we acquire, retain, and grow our customer base — and your work will directly impact revenue, margins, and user happiness.

You Will:

• Build predictive models to forecast churn, retention, upsell potential, credit progression, and lifetime value

• Develop user segmentation and engagement scoring to power personalized messaging, lifecycle marketing, and feature adoption

• Analyze current marketing performance across all organizational channels, especially affiliates, to optimize Unit Economics and ROI

• Own A/B testing design and measurement to accelerate learnings across acquisition, product, and communications

• Provide channel attribution and funnel analysis to identify what drives high-value customers

• Conduct customer journey and conversion analysis to uncover friction points and recommend actionable improvements

• Partner with marketing and product teams to translate data into experiments and features that move the needle

• Turn raw data into business decisions, identifying market performance unit economics, where to pull back/push forward. Providing opportunity across marketing, product, and customer lifecycle

• Monitor and improve KPIs: CAC, CPA, ROAS, LTV, churn, conversion rates, and user engagement

You Bring:

• 4+ years in a data science or advanced analytics role, ideally in D2C SaaS or fintech

• Expert in Python, SQL, and data visualization tools (Tableau, Looker, PowerBI)

• Proficient in Excel and experienced with cloud data platforms (AWS Ecosystem experience a plus)

• Skilled in machine learning (e.g., scikit-learn, XGBoost, AWS SageMaker) with a strong foundation in statistics, predictive modeling, and experiment design

• Deep understanding of SaaS metrics (LTV, CAC, ARPU, churn) and what drives them

• Skilled at translating complex findings into clear, actionable insights for non-technical teams, with a track record of driving meaningful business decisions

• Creative, ambitious, and thrives in fast-moving environments

• Proven track record of using data to drive growth

• Experience with Singular, Mixpanel, Stitch; Familiar with affiliate platforms is a plus

Perks & Benefits

• Competitive salary + equity

• Flexible remote work environment

• Health, dental, vision coverage

• Ground-floor opportunity at a mission-driven, profitable, scaling startup

Equal Opportunity

Dovly is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.