Senior Data Scientist, Financial Services

About Clutch:

Clutch is Canadas largest online used car retailer delivering a seamless hassle-free car-buying experience to drivers everywhere. Customers can browse hundreds of cars from the comfort of their home get the right one delivered to their door and enjoy peace of mind with our 10-Day Money-Back Guarantee and thats just the beginning.

Named one of Canadas top growing Companies two years in a row and also awarded a spot on LinkedIns Top Canadian Startups list were looking to add curious hard-working and driven individuals to our growing team.

Headquartered in Toronto Clutch was founded in 2017. Clutch is backed by a number of world-class investors including Canaan BrandProject Real Ventures D1 Capital and Upper90. To learn more visit .

About the role:

For most of our customers buying a car is also one of the biggest financial decisions theyll make. Thats why we built Clutchs financial services offering and were hiring a Senior Data Scientist to help shape what it becomes.

Your mission is to bring a financing-first lens to the entire buyer journey. That means helping customers understand what they can afford earlier feel confident in their choices and move from browsing to buying with fewer surprises.

This role starts analysis-heavy. Your first priority will be building a deep understanding of how customers engage with financing today: where they start where they get stuck and what helps them move forward. From there youll build the models tools and experiments that shape how customers experience financing at Clutch from pre-qualification through purchase.

This is a rare chance to join early and help define how one of Canadas fastest-growing auto retailers approaches financing. Youll sit on Clutchs data team and work closely with our financial services product marketing and engineering teams and your work will be visible measurable and directly tied to both the customer experience and the business.

What youll do:

• Help define what Cleo becomes. As one of the first data scientists on our financial services work your analysis will shape the roadmap and play a key role in its delivery.
• Go deep on buyer journey and financing funnel data to understand how customers explore compare and choose financing and where the experience can improve.
• Build the models that power a financing-first shopping experience surfacing cars customers can realistically afford and helping them understand their monthly payment before they fall in love with a car.
• Predict financing intent and readiness from on-site behaviour so we can meet customers with the right information at the right moment.
• Own pre-qualification end-to-end from how many customers start it to where they drop off to how it changes what they buy and use those insights to give customers clarity earlier in their journey.
• Model how down payment trade-in value and term choices shape customer decisions and build tools that help customers explore those trade-offs themselves.
• Design and analyze experiments to test new ways of presenting financing across the site and purchase flow.
• Quantify how financing drives Clutchs business including conversion order value and customer lifetime value and turn your findings into clear recommendations on where to invest next.
• Partner with Clutch data engineering and our external partners to define the data foundations our financial services work needs to scale.
• Work with Clutchs external financial services partners to refine journeys and programs in ways that improve the experience conversion and risk performance.

What were looking for:

Must Haves

• 5 years of experience as a Data Scientist or in a highly analytical role with a track record of work that drove real business decisions.
• Decision modeling experience: Youve built models or frameworks that shaped real outcomes such as how customers are guided what theyre shown or how a funnel is optimized.
• Analysis first: Strong SQL and Python and youre comfortable starting with messy data and ambiguous questions and working your way to a clear answer.
• Statistical rigor: Solid statistical fundamentals experimentation experience and a disciplined approach to validation.
• Customer mindset: You care about how your work shows up for the end customer not just the metric it moves.
• Excellent communication: You can explain complex trade-offs clearly to business leaders and hold a strong point of view.

Nice to Have

• Experience in fintech consumer finance or auto finance.
• Experience with e-commerce funnels personalization or customer journey analytics.
• Experience deploying models into production.
• Experience helping build a new product or business line from an early stage.

Why youll love it at Clutch

• Autonomy & ownership create your own path and own your work
• Competitive compensation and equity incentives
• Generous time off program
• Health & dental benefits

Employment Type

• Existing Permanent Full-Time
• Hybrid

Compensation & Benefits

• Salary: $150000 - $200000 annually
• Equity incentives
• Comprehensive healthcare dental vision prescriptions life insurance and dependent coverage
• Pay reflects skills performance market benchmarking responsibilities and working conditions

Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process please email