Data Scientist
About KLAR Let's start with the basics! Klar is a Mexican fintech startup whose mission is to democratize and revolutionize the way in which financial services have been delivered so far in Mexico, especially since half of the population doesn't have a bank account. We offer a rich set of products across our debit and credit offers and the future is bright for Klar! We have an exciting and ambitious roadmap to bring more features to our products so that we can better serve our users. We have served more than 7 million users since our launch in 2019 — and we're just getting started. Most recently, we partnered with Uber to launch their first global credit card, right here in Mexico; a testament to the trust we've built with world-class partners and the strength of our infrastructure, team, and product. We are also proud to have been certified in 2023 as a "Great Place to Work" in Mexico — we've worked hard to make that happen and will continue to make bigger strides in the future! Sound like a place you’d like to be? Our people If you join us at Klar, you’ll be welcomed into a team which is rich in many talents and we are very proud! With our head office in Mexico City, and remote tech hubs in Berlin and Argentina, we are always learning something new about another culture or language. With so many people from different backgrounds and walks of life (parents, LGBTQ+, neurodivergence), you’ll definitely find your people here! Our values Ownership - We own our successes & our failures as a team. Excellence - We do everything to the best of our ability & always seek to achieve a new level of excellence in our work. Inclusion - We believe we are stronger together and actively work to promote a safe, diverse, inclusive, and respectful culture. Customer Obsession - We understand the value Klar can bring to its customers & it’s always at the forefront of our decisions. Klarity - We communicate clearly & with authenticity. It’s in our name & it’s what we do.
About the Role
We are looking for an Individual Contributor to join our Credit Card team. In this role, you will play a key part in modernizing and improving our Machine Learning models; and collaborate with other team members to continuously explore the application of cutting edge technologies to credit risk. This is a full-time remote position operating on European time zones. We are open to candidates based in Germany or elsewhere within the EU, provided they can work effectively within EU business hours. What you can expect: Design, build, and optimize Machine Learning models powering origination, behavioral scoring, limit management, and early-warning systems Leverage alternative data sources including transaction behavior, merchant data, and device intelligence to improve predictive performance Evaluate and implement the infrastructure required to deploy, monitor, and retrain models at scale Explore the applications of novel architectures (transformers, foundational models, etc.) for credit risk and related tasks Collaborate with cross-functional teams to identify opportunities for data-driven insights and solutions Work with other members of the Credit Risk team to build credit policies across the full customer lifecycle: origination, limit management, restructuring, and write-offs A lot of autonomy and ownership: you will own at least one Machine Learning model end-to-end Communicate findings and insights to technical and non-technical stakeholders What we are looking for: Master's degree or above in Data Science, Computer Science, Statistics, Mathematics, or a related field 5+ years of experience in Data Science, Machine Learning, or a related field Strong proficiency in Python and SQL Experience with Machine Learning libraries such as Scikit-Learn, XGBoost, TensorFlow, Keras, and Pytorch Experience owning models or analytical systems end to end, including performance monitoring, retraining, documentation, and stakeholder alignment Comfort using AI coding assistants, such as Claude Code and Codex, to improve productivity Proficiency in data analysis, visualization, and manipulation tools such as Pandas, Matplotlib, and Seaborn Optional, but a plus: Experience with credit risk, fraud, underwriting, lending, financial services, or another regulated decisioning domain Experience with dbt (Data Build Tool) to transform SQL data Experience working with novel, transformer-based architectures Strong problem-solving skills and the ability to think creatively Ability to communicate model tradeoffs, risk implications, and business impact to technical and non-technical stakeholders Our offer to you Competitive salary based on performance and experience Chance of earning Klar stock options 26 days of paid vacation per year Computer devices Wellhub subscription to offer mental and physical health Sponsored coaching and therapy sessions via Modern Health Training budget to upskill your learning Health insurance & Pension scheme BVG Corporate ticket Berlin office if you prefer to work onsite International work environment with amazing and highly skilled people A world class team that helps you evolve your skills in areas you're interested in Klar is a safe place for everyone! We trust our highly skilled and diverse team and we’re committed to creating a welcoming and inclusive environment for new talents to flourish. We value diversity and welcome all applications regardless of gender, nationality, ethnic and social origin, religion/belief, physical abilities, age, sexual orientation and identity. Should you require any accommodations through the recruitment process, please don’t hesitate to let us know how we can help! Apply To This Job