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Clair · 2 months ago

Senior Data Scientist - Credit Underwriting

New York, United States

Full-time

Hybrid

Senior Level

$165K/yr - $172K/yr

5+ years exp

Clair is on a mission to create financial freedom for America's workers by providing a digital banking platform. As a Senior Data Scientist, you will develop credit models and predictive systems that enhance Clair’s financial products, helping millions access affordable credit through data-driven insights.

Computer Software

H1B Sponsor Likely

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

Qualification

Machine LearningCredit Risk ModelingPythonSQLModel DeploymentAWSData ScienceTime-series AnalysisFeature EngineeringCommunication SkillsCross-functional Collaboration

Required

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

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

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

Company

Clair

Clair is an AI-driven fintech company that makes payday simple with embedded On-Demand Pay.

Founded in 2019

New York, NY, US

51-200 employees

http://getclair.com/embedded

H1B Sponsorship

Clair has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (2)

2023 (2)