Hybrid Senior Data Scientist, Credit Underwriting

at Clair

• Job title: Senior Data Scientist, Credit Underwriting
• Job type: Full Time
• Experience level: Senior
• Salary: $165,000 - $172,000 per year
• Degree requirement: Bachelor's Degree
• Tech skills: AWS, Python, PyTorch, SQL, Tensorflow
• Location requirements: Hybrid, New York City, United States

About the role

• Senior Data Scientist responsible for credit modeling at Clair, utilizing machine learning to assess risk and optimize decisions. Collaborating with cross-functional teams and deploying models in production environments.

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.

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.
• Strong communication skills and ability to translate complex findings into actionable insights.
• Experience working with cross-functional teams in a fast-paced production environment.

Benefits

• 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