Data Scientist, Risk

1.2; About Gusto At Gusto, we re on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and — so owners can focus on their craft and their customers. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve. All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our a Total Rewards philosophy. AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process. About the Role: As a Data Scientist supporting Risk, you will play a crucial role in leveraging experimentation, statistical inference, and causal analysis to drive strategic decision making that contributes to the overall success of our organization. The ideal candidate is a trusted data storyteller with strong statistical and coding skills, and a passion for applying these skills to help small businesses thrive. In this role you’ll be working with an established team and risk leaders in Engineering, Product, Design, Operation, Identity and Compliance. You ll define and track metrics that help us understand our business performance, and dive deep into our risk stack data to deliver insights and answer questions. You’ll also integrate AI-assisted practices to accelerate analysis, enhance rigor, and expand the reach of insights across Gusto. This role is an equivalent of Staff-level, with an expectation of owning experimentation and building risk models that will have direct impact on business decisions. This is a San Francisco-based role with expectations to be in office Tuesdays and Wednesdays. Here’s what you’ll do day-to-day: Partner and Execute: Translate ambiguous stakeholder questions into clear, testable analyses. Structure complex business problems, identify drivers of performance, and communicate actionable insights to influence product or business decisions. Analytical Depth: Use sound statistical reasoning and experimentation frameworks to separate signal from noise. Select appropriate analytical techniques that balance rigor and speed, and