Clair is looking to create financial freedom for America's workers by giving them a digital banking platform that allows them to get paid as soon as they clock out of work, and the company needs a Senior Data Scientist to develop and maintain the next generation of credit models and predictive systems that power Clair's financial products.
Requirements
- 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.
- Experience with cloud-based machine learning environments (AWS, Azure, Snowflake ML Platform, etc.).
- Familiarity with model explainability techniques and compliance requirements in financial modeling.
Responsibilities
- Develop and maintain credit risk and repayment models that directly power Clair's 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.
Other
- 5+ years of professional experience
- Strong communication skills and ability to translate complex findings into actionable insights.
- Experience working with cross-functional teams in a fast-paced production environment.
- 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
- Travel requirements: occasional client meetings
