Senior Data Scientist, Financial Services

The role

This person will build models, tools, and experiments to shape the customer financing experience. They will analyze the buyer journey and financing funnel to improve how customers understand affordability and intent.

What you will do

• Define the financial services roadmap through analysis.
• Analyze buyer journey and financing funnel data.
• Build models to power a financing-first shopping experience.
• Predict financing intent and readiness from on-site behaviour.
• Own pre-qualification end-to-end analysis.
• Model how down payment, trade-in value, and term choices shape decisions.
• Design and analyze experiments for financing presentation.
• Quantify how financing drives business metrics like conversion and lifetime value.
• Partner with data engineering and external partners to define data foundations.
• Work with external financial services partners to refine journeys and programs.

Required qualifications

• 5+ years of experience as a Data Scientist or in a highly analytical role
• Decision modeling experience
• Strong SQL and Python
• Solid statistical fundamentals
• Experimentation experience
• Excellent communication

Nice to have

• Experience in fintech, consumer finance, or auto finance
• Experience with e-commerce funnels, personalization, or customer journey analytics
• Experience deploying models into production
• Experience helping build a new product or business line from an early stage

Benefits

• Autonomy & ownership
• Competitive compensation and equity incentives
• Generous time off program
• Comprehensive healthcare, dental, vision, prescriptions, life insurance, and dependent coverage

About the company

Clutch is Canada’s largest online used car retailer, founded in 2017 and headquartered in Toronto. The company is backed by investors including Canaan, BrandProject, Real Ventures, D1 Capital, and Upper90.