the RoleAs an Applied Data Scientist on Clairs Data Science team youll be responsible for developing and maintaining the next generation of credit models and predictive systems that power Clairs financial products. Youll shape how millions of hourly workers access affordable credit leveraging cutting-edge data science to assess risk predict repayment and optimize credit decisions.
Were looking for someone who thrives at the intersection of data science machine learning and fintech and whos excited to translate messy real-world data into clear actionable intelligence. This role blends credit modeling with feature engineering from designing new model features (including predictive features) based on user transaction data to deploying and monitoring production-ready ML models that drive critical product decisions.
To succeed youll need a deep technical foundation in machine learning and statistical modeling hands-on experience in model deployment and strong communication skills to collaborate with engineers product managers and risk teams.
Key Responsibilities
Develop and maintain credit risk and repayment models that directly power Clairs underwriting and decision systems.
Design and engineer predictive features using transaction-level data including the prediction of user income flows spending and repayment behaviors.
Collaborate with engineering teams to deploy monitor and optimize models in production environments using AWS and Snowflake ML Platform.
Build prototypes of new modeling methodologies and present them to stakeholders for evaluation and feedback.
Investigate and analyze credit performance identifying root causes of model drift or unexpected repayment behavior.
Partner cross-functionally with product risk and engineering teams to turn data insights into product improvements and credit strategy refinements.
Communicate technical concepts clearly to both technical and non-technical audiences.
Stay current on best practices and emerging techniques in credit modeling explainable AI and financial ML systems.
Minimum Qualifications
5 years of professional experience in data science and machine learning.
Proven track record of leading end-to-end data science projects from research and model development to deployment and monitoring.
Experience building and productionizing credit or risk assessment models.
Strong proficiency in Python and familiarity with modern ML libraries (TensorFlow PyTorch XGBoost etc.).
Strong command of SQL and experience working with large transactional and time-series datasets.
Strong communication skills and ability to translate complex findings into actionable insights.
Experience working with cross-functional teams in a fast-paced production environment.
Preferred Qualifications
Experience in fintech or credit risk modeling.
Experience with cloud-based machine learning environments (AWS Azure Snowflake ML Platform etc.).
Familiarity with model explainability techniques and compliance requirements in financial modeling.
Experience working with time-series analysis and modeling including forecasting trend detection and temporal feature engineering
Additional Details
Location: This is a hybrid position based out in New York City you will be expected to come into the office at least three days a week (Tuesdays Wednesdays & Thursdays) with additional days on occasion for client meetings. We are also open to remote candidates for this role.
Compensation: The annual base salary for this role is $144000 to $181000. The base pay for this role is determined using many factors such as education skills and experience and is reflective of Clair Series stage and size. Base pay is only one part of Clairs competitive total compensation package which includes equity benefits and additional perks. The base pay range is subject to change and may be modified in the future.
Clair will only contact candidates from @ email addresses. We will never ask for payments or sensitive personal information during the hiring process. If you happen to receive anything suspicious please ignore it.
Need more convincing
Apart from getting to work with our incredible team here are some of the benefits you can expect when you join Clair:
Medical Dental & Vision Coverage with option to extend to your family
Fully-paid parental leave
Company-sponsored 401k HSA and FSA
Unlimited vacation for salaried roles generous PTO for hourly roles
Work from home setup allowance
Access to your earnings every day on Clair
Company-sponsored short-term and long-term disability insurance
Equal Opportunity Employer Information
Clair is an equal opportunity employer and we value diversity at our company. We actively seek a diverse applicant pool and do not discriminate on the basis of race religion color national origin gender sexual orientation age marital status veteran status or disability status.
For questions please email us at
Required Experience:
Senior IC
Job Location:
Monthly Salary:
$ 144 - 181
Posted on:
Yesterday
Vacancies:
1 Vacancy
