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Über
We meet Americans at their place of work by embedding our products within the scheduling, workforce management, and payroll apps they already use.
Learn more at getclair.com/about.
About the Role As an Applied Data Scientist on Clair’s Data Science team, you’ll be responsible for developing and maintaining the next generation of credit models and predictive systems that power Clair’s financial products.
You’ll shape how millions of hourly workers access affordable credit, leveraging cutting‐edge data science to assess risk, predict repayment, and optimize credit decisions.
This role blends credit modeling with feature engineering, from designing new model features based on user transaction data to deploying and monitoring production‐ready ML models that drive critical product decisions.
To succeed, you’ll 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 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.
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:
Hybrid position based out in New York City. Expected to be in office at least three days a week (Tuesdays, Wednesdays, Thursdays) with additional days as needed. Remote options are welcome.
Compensation:
Annual base salary ranging from $144,000 to $181,000, plus equity and benefits.
Benefits
Medical, Dental, and Vision Coverage, with option to extend to your family.
Fully‐paid parental leave.
Company-sponsored 401(k), 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 careers@getclair.com.
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Sprachkenntnisse
- English
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