At a Glance
- Tasks: Shape the future of car financing by analysing customer journeys and building impactful models.
- Company: Join Clutch, Canada's largest online used car retailer, known for innovation and growth.
- Benefits: Enjoy competitive salary, equity incentives, generous time off, and comprehensive health benefits.
- Other info: Be part of a dynamic team with autonomy and ownership over your work.
- Why this job: Make a real impact in a fast-growing company while working with cutting-edge data science.
- Qualifications: 5+ years as a Data Scientist with strong SQL, Python, and decision modeling experience.
The predicted salary is between 150000 - 200000 $ per year.
About Clutch
Clutch is Canada's largest online used car retailer, delivering a seamless, hassle-free car-buying experience to drivers everywhere. Customers can browse hundreds of cars from the comfort of their home, get the right one delivered to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee.
Named one of Canada's top growing Companies two years in a row and also awarded a spot on LinkedIn's Top Canadian Startups list, we're looking to add curious, hard-working, and driven individuals to our growing team. Headquartered in Toronto, Clutch was founded in 2017 and is backed by a number of world-class investors.
About The Role
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.
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.
What You'll Do
- Help define what Clutch becomes. 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.
- 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.
- 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.
What We're Looking For
Must Haves
- 5+ years of experience as a Data Scientist or in a highly analytical role, with a track record of work that drove real business decisions.
- Decision modeling experience: You've built models or frameworks that shaped real outcomes.
- Strong SQL and Python skills, comfortable starting with messy data and ambiguous questions.
- Solid statistical fundamentals, experimentation experience, and a disciplined approach to validation.
- Customer mindset: You care about how your work shows up for the end customer.
- Excellent communication: You can explain complex trade-offs clearly to business leaders.
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.
Why you’ll love it at Clutch
- Autonomy & ownership – create your own path and own your work.
- Competitive compensation and equity incentives.
- Generous time off program.
- Health & dental benefits.
Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process, please email talent@clutch.ca.
Senior Data Scientist, Financial Services in Toronto employer: Clutch
Clutch is an exceptional employer that prioritizes employee growth and a collaborative work culture, making it an ideal place for those looking to thrive in the automotive industry. With competitive compensation, health and dental benefits, and opportunities for skill development, employees are empowered to take ownership of their roles while contributing to a positive impact on communities across Canada. Located in Toronto, Clutch offers a dynamic environment where team members can embrace challenges and work alongside passionate colleagues dedicated to quality and efficiency.
