Job Summary
ClearGrid is seeking an innovative and hands-on ML Data Scientist to join our Collections and Portfolio Data Science this role you will own the end-to-end lifecycle of cutting-edge AI/ML models designed to optimize recovery efforts for unsecured credit products (BNPL installment loans etc.). You will act as a technical leader driving data strategy and deploying Agentic AI solutions that directly impact hundreds of thousands of customers while ensuring model fairness and regulatory compliance.
Key Responsibilities
Model Development & Lifecycle Ownership:
Design build and deploy ML models to predict default risk and recovery probabilities for short-term lending products.
Take complete hands-on ownership of the model lifecycle from initial research to production monitoring and automated retraining.
Implement creative statistical approaches including causal analysis reinforcement learning and natural language processing.
Data Strategy & Engineering:
Build efficient reusable data pipelines for feature generation and model scoring using Python and SQL.
Architect and deploy Agentic AI infrastructures utilizing both proprietary and commercially available tools.
Collaborate with engineering teams to integrate models into production environments seamlessly.
Domain-Specific Optimization:
Develop models for call center performance utilizing causal analysis and multi-armed bandits to optimize outreach.
Manage collection modeling concepts such as PD calibration reject inference and risk segmentation.
Partner with agency and portfolio purchase teams to align model outputs with actionable business lending decisions.
Compliance & Infrastructure Evolution:
Ensure all models meet strict standards for fairness interpretability and adverse action logic.
Contribute to the continuous evolution of ClearGrids ML infrastructure to improve the efficiency of our AI ecosystem.
Requirements
Educational & Professional Experience:
Advanced Degree (Ph.D. / MS) in Computer Science Data Science AI Mathematics or a related quantitative field.
35 years of professional experience in AI Science or Machine Learning.
Fintech Expertise: Significant experience in credit risk with a deep understanding of payment systems banking and lending products.
Technical Skills:
Programming: Authoritative knowledge of Python and SQL.
Frameworks: Proficiency in TensorFlow PyTorch and tree-based models.
ML Techniques: Expertise in deep learning clustering time series and reinforcement learning.
Data Engineering: Proven ability to build scalable pipelines and frameworks for large complex datasets.
Soft Skills:
Strong problem-solving abilities and the communication skills necessary to defend model logic to stakeholders.
A results-oriented innovator mindset capable of thriving in a fast-paced collaborative environment.
Preferred Qualifications
Cloud Infrastructure: Experience with GCP (Vertex AI) or AWS (SageMaker) and orchestration tools like Apache Airflow.
MLOps: Strong background in automated retraining version control and model monitoring pipelines.
Experimentation: Expertise in A/B testing design and advanced statistical analysis.
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