Data Scientist - EU

Klar Credit Card Team Position

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 and we are open to candidates based within the EU.

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 device
• 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
• Wellhub subscription to offer mental and physical health

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!