Senior Data Scientist, Credit Underwriting

Clair

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.

Posted 4/12/2026full-timeNew York City • New York • 🇺🇸 United StatesSenior💰 $165,000 - $172,000 per yearWebsite

Tech Stack

Tools & technologies

AWSPythonPyTorchSQLTensorflow

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

data sciencemachine learningcredit risk modelsrepayment modelspredictive modelingPythonSQLTensorFlowPyTorchXGBoost

Soft Skills

communication skillscollaborationproblem-solvingstakeholder engagementcross-functional teamworktechnical translationleadershipanalytical thinkingadaptabilitypresentation skills