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Salary: CAD 150,000 - 200,000 / annual
Clutch is Canada's largest online used car retailer, backed by top-tier investors including Canaan, D1 Capital, and Real Ventures. The company is hiring a Senior Data Scientist to lead the analytics and modeling work for its financial services offering—a critical new business line that helps customers understand affordability and financing options throughout their buying journey.
In this role, you will own the data strategy for Clutch's financing product from the ground up. Your work will be analysis-heavy initially, focused on understanding customer behavior: where buyers start their financing exploration, where they encounter friction, and what drives them forward. You'll then build predictive models, analytical frameworks, and experimentation infrastructure to optimize the financing experience.
Key responsibilities include:
- Conduct deep-dive analysis of buyer journey and financing funnel data to identify improvement opportunities
- Build decision models that power a financing-first shopping experience, including pre-qualification flows and affordability guidance
- Develop predictive models for financing intent and readiness based on on-site behavior
- Own the pre-qualification funnel end-to-end: conversion rates, drop-off analysis, and impact on purchase decisions
- Model how down payment, trade-in value, and loan term choices influence customer decisions
- Design and analyze A/B tests to optimize financing presentation across the site and checkout flow
- Quantify financing's impact on key business metrics: conversion, order value, and customer lifetime value
- Partner with data engineering and external financial services partners to build scalable data foundations
- Translate findings into clear, actionable recommendations for product and business leadership
You'll sit on Clutch's data team and collaborate closely with financial services, product, marketing, and engineering. Your work will be visible, measurable, and directly tied to both customer experience and business outcomes.
REQUIREMENTS:
Must Haves:
- 5+ years of experience as a Data Scientist or in a highly analytical role, with a demonstrated track record of driving real business decisions
- Decision modeling experience: proven ability to build models or frameworks that shaped real outcomes (e.g., customer guidance, content personalization, funnel optimization)
- Strong analytical foundation: proficiency in SQL and Python; comfort starting with messy data and ambiguous questions to derive clear answers
- Statistical rigor: solid understanding of statistical fundamentals, hands-on experimentation experience, and disciplined validation practices
- Customer mindset: genuine care for how your work impacts end users, not just metrics
- Excellent communication: ability to explain complex trade-offs clearly to business leaders and articulate strong points of view
Nice to Have:
- Experience in fintech, consumer finance, or auto finance
- Background with e-commerce funnels, personalization, or customer journey analytics
- Track record deploying models to production
- Experience building new products or business lines from early stage
