Senior Data Scientist (Financial Services)

Clutch; Toronto; Hybrid; CAD 110,000 - 170,000; Full time

Benefits offered by this job

Autonomy & ownership

Competitive pay + equity

Generous time off

Health, dental & wellness

Job summary

Clutch is hiring a Senior Data Scientist to bring a financing-first lens to the buyer journey in Canada. You will be an early member of the data team, collaborating with financial services, product, marketing and engineering to build models and experiments that shape how customers understand affordability and move from browsing to buying.

You will own pre-qualification end-to-end, design experiments, and quantify how financing drives conversions, order value, and lifetime value.

Qualifications

• Analysis-first: Strong SQL and Python, comfortable starting with messy data and ambiguous questions.
• Statistical rigor and experimentation experience for validation.
• Decision modeling experience shaping real outcomes like funnel optimization.
• 5+ years in Data Science or similar analytical role with impact on business decisions.
• Customer mindset focusing on end-user experience.

Responsibilities

• Shape financing strategy across the buyer journey at Clutch.
• Build models, tools, and experiments for financing from pre-qualification to purchase.
• Own pre-qualification end-to-end including drop-off analysis and impact on buys.
• Design and analyze experiments to improve financing presentation across site and flow.
• Quantify financing impact on conversion, order value, and customer lifetime value; provide recommendations.
• Collaborate with data engineering and external partners to scale data foundations.
• Refine journeys with external fintech partners to improve experience, conversion and risk.

Skills

SQL

Python

Data analysis

Experimentation

Modeling

Fintech knowledge

Customer analytics

A/B testing

Tools

SQL

Python

Job description

• For most of our customers, buying a car is also one of the biggest financial decisions they’ll make. That’s why we built Clutch’s financial services offering, and we’re hiring a Senior Data Scientist to help shape what it becomes
• Your mission is to bring a financing-first lens to the entire buyer journey. That means helping customers understand what they can afford earlier, feel confident in their choices, and move from browsing to buying with fewer surprises
• This role starts analysis-heavy. Your first priority will be building a deep understanding of how customers engage with financing today: where they start, where they get stuck, and what helps them move forward. From there, you’ll build the models, tools, and experiments that shape how customers experience financing at Clutch, from pre-qualification through purchase
• This is a rare chance to join early and help define how one of Canada’s fastest-growing auto retailers approaches financing. You’ll sit on Clutch’s data team and work closely with our financial services, product, marketing, and engineering teams, and your work will be visible, measurable, and directly tied to both the customer experience and the business
• Help define what Cleo becomes. As one of the first data scientists on our financial services work, your analysis will shape the roadmap and play a key role in its delivery
• Go deep on buyer journey and financing funnel data to understand how customers explore, compare, and choose financing, and where the experience can improve
• Build the models that power a financing-first shopping experience, surfacing cars customers can realistically afford and helping them understand their monthly payment before they fall in love with a car
• Predict financing intent and readiness from on-site behaviour so we can meet customers with the right information at the right moment
• Own pre-qualification end-to-end, from how many customers start it, to where they drop off, to how it changes what they buy, and use those insights to give customers clarity earlier in their journey
• Model how down payment, trade-in value, and term choices shape customer decisions, and build tools that help customers explore those trade-offs themselves
• Design and analyze experiments to test new ways of presenting financing across the site and purchase flow
• Quantify how financing drives Clutch’s business, including conversion, order value, and customer lifetime value, and turn your findings into clear recommendations on where to invest next
• Partner with Clutch data engineering and our external partners to define the data foundations our financial services work needs to scale
• Work with Clutch’s external financial services partners to refine journeys and programs in ways that improve the experience, conversion and risk performance

Benefits

• Autonomy & ownership: Create your own path and own your work with some of the most talented and creative people in Canada
• Competitive pay + equity: Enjoy competitive pay from day one, with equity opportunities available for roles that shape our future
• Generous time off: From vacation time to parental leave, we believe that work-life harmony is key to a healthy work environment
• Health, dental & more: Your well-being matters. That’s why we offer medical, dental, and wellness support to you and your loved ones

Excellent communication: You can explain complex trade-offs clearly to business leaders and hold a strong point of viewAnalysis first: Strong SQL and Python, and you’re comfortable starting with messy data and ambiguous questions and working your way to a clear answerStatistical rigor: Solid statistical fundamentals, experimentation experience, and a disciplined approach to validationDecision modeling experience: You’ve built models or frameworks that shaped real outcomes, such as how customers are guided, what they’re shown, or how a funnel is optimized5+ years of experience as a Data Scientist or in a highly analytical role, with a track record of work that drove real business decisionsCustomer mindset: You care about how your work shows up for the end customer, not just the metric it movesExperience in fintech, consumer finance, or auto financeExperience with e-commerce funnels, personalization, or customer journey analyticsExperience deploying models into productionExperience helping build a new product or business line from an early stage