---
title: 'Senior Data Scientist, Financial Services at Clutch Technologies Inc.'
canonical: 'https://feeny.ai/job/senior-data-scientist-financial-services-clutch-technologies-inc-toronto-p9m14sn9x6bt'
type: 'job'
last_seen: '2026-10-17'
---

# Senior Data Scientist, Financial Services at Clutch Technologies Inc.

- **Company:** Clutch Technologies Inc.
- **Location:** Toronto, Canada
- **Posted:** 2026-09-30
- **Last confirmed live:** 2026-10-17
- **Apply:** https://job-boards.greenhouse.io/clutch/jobs/6212028004

## Job description

Senior Data Scientist, Financial Services

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… and that's just the beginning.

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. Clutch is backed by a number of world-class investors, including Canaan, BrandProject, Real Ventures, D1 Capital, and Upper90. To learn more, visit[clutch.ca](http://clutch.ca).

About the role:

For most of our customers, buying a car is also one of the biggest financial decisions they'll make. That's why we built Clutch's financial services offering, and we're hiring a Senior Data Scientist to help shape what it becomes.

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. From there, you'll build the models, tools, and experiments that shape how customers experience financing at Clutch, from pre-qualification through purchase.

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, and your work will be visible, measurable, and directly tied to both the customer experience and the business.

What you'll do:

- Help define what Cleo becomes. As one of the first data scientists on our financial services work, 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, and use those insights to give customers clarity earlier in their journey.
- 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, and turn your findings into clear recommendations on where to invest next.
- 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, such as how customers are guided, what they're shown, or how a funnel is optimized.
- Analysis first: Strong SQL and Python, and you're comfortable starting with messy data and ambiguous questions and working your way to a clear answer.
- Statistical rigor: 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, not just the metric it moves.
- Excellent communication: You can explain complex trade-offs clearly to business leaders and hold a strong point of view.

## 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

Employment Type

- Existing, Permanent Full-Time
- Hybrid

## Compensation & Benefits

- Salary: $150,000 - $200,000 annually
- Equity incentives
- Comprehensive healthcare, dental, vision, prescriptions, life insurance, and dependent coverage
- Pay reflects skills, performance, market benchmarking, responsibilities, and working conditions

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

## About Clutch Technologies Inc.

## Company Overview
- **One-liner**: Canada’s largest online used-car retailer, buying, reconditioning, and selling vehicles directly to consumers through a fully digital, vertically integrated experience.
- **Entity Type**: Private (venture-backed, growth stage)
- **Headquarters**: Toronto, Ontario, Canada
- **Founded**: 2016 (operations began 2017 in Halifax)
- **Founders**: Stephen Seibel, Andrew Dolinski, Chris Dolinski

## Core Business
- Primary industry: Online used‑car retailing, automotive e‑commerce
- Target customers: B2C – individual car buyers and sellers across Canada (Ontario, Atlantic Canada, and British Columbia)
- Mission: “Reinventing how Canadians buy and sell cars” – making the transaction effortless, honest, and transparent.

## Products & Services
- **Clutch Retail Platform (SaaS‑inspired marketplace)**: A fully online car‑buying and selling experience. Customers browse a curated inventory, get an instant data‑driven offer for their trade‑in, purchase with financing, and receive home delivery with a 10‑day money‑back guarantee.
- **Vehicle Financing**: In‑house financing options offered during checkout.
- **Inspection & Reconditioning Services**: In‑house mechanical inspections and cosmetic reconditioning at company‑owned facilities (Mississauga, Halifax, Richmond).

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed; a 2025 funding round reset the valuation “slightly above” the 2021 peak of approximately C$575 million [en.wikipedia.org](https://en.wikipedia.org/wiki/Clutch_(company))
- **Key Metric**: Total funding – at least C$217 million including debt (C$7M seed, C$60M Series A/2021, C$100M Series B, and C$50M in 2025 from Altos Ventures)
- **Notable Investors/Partners**: D1 Capital Partners, Canaan Partners, Altos Ventures, Real Ventures, BrandProject, BMO, Upper90, FJ Labs
- **Growth Signals**:
  - Revenue of C$320 million in 2024, up ~81% YoY; reached profitability
  - Cumulative C$1.7 billion paid out to Canadian vehicle sellers, 95,000+ cars bought/sold
  - Re‑entered British Columbia (Richmond) in August 2025 after a 2023 exit
  - Opened a new inspection facility in Mississauga
  - Named to Deloitte Technology Fast 50 and Globe & Mail’s Canada’s Top Growing Companies (2025 rank: 132nd)

## Competitive Advantages
- **Vertical integration**: Clutch owns the full supply chain – purchasing, inspecting, reconditioning, listing, financing, and delivering – enabling tight quality control and cost efficiency.
- **Proprietary technology**: Custom‑built pricing engine using machine learning, VIN decoding, automated title transfers, and inventory routing. No off‑the‑shelf dealership software.
- **Data‑driven pricing**: Real‑time offers informed by millions of data points (make, mileage, condition, regional demand).
- **Trust and transparency**: Non‑negotiable upfront prices, 10‑day money‑back guarantee, and a “radically transparent” culture that reduces traditional dealership friction.

## Strategic Focus
- **Profitable growth**: After a 2023 downturn and 65% workforce reduction, the company shifted from “aggressive growth to profitability at all costs.” Focus on margin improvement and operational efficiency.
- **Expansion in Western Canada**: Re‑entered British Columbia with a wholesale‑focused model; aims to bring direct‑to‑consumer sales back over time.
- **Tech‑enabled scale**: Continue investing in in‑house software, ML model retraining, and automation to handle growing transaction volumes without proportional headcount increase.
- **Inventory sourcing**: Prioritise purchases directly from individual sellers (vs. wholesale auctions) to keep margins competitive.

## Why Work Here
- **Engineering culture**: Engineers own large domains, deploy multiple times a day with feature flags, and work directly with operations. Stack is built from scratch – no legacy dealership software.
- **Autonomy & ownership**: “Create your own path and own your work” – cross‑functional teams with direct lines to the field.
- **Compensation**: Competitive base pay plus equity (stock options for roles that shape the company’s future).
- **Benefits**: Medical, dental, wellness support; generous time off and parental leave.
- **Work mode**: Primarily office‑based at locations in Toronto (HQ), Mississauga, Halifax, and Richmond (BC). Field Operations and Production roles are on‑site; engineering roles appear to be in‑office as well (no explicit remote‑first policy).
- **People principles**: Radically transparent, always improving, reliably clutch (go‑above‑and‑beyond), people first – values strongly emphasised in internal culture.

## Sources
1. [clutch.ca/about](https://www.clutch.ca/about) – Company overview, mission, key stats ($1.7B paid, 95,000+ cars, 650+ employees)
2. [clutch.ca/careers](https://www.clutch.ca/careers) – Perks, values, engineering culture, employee count (450), annual revenue ($700M reported; note discrepancy with Wikipedia’s C$320M for 2024)
3. [boards.greenhouse.io/clutch](https://boards.greenhouse.io/clutch) – Current job openings, description of teams, investor list
4. [en.wikipedia.org/wiki/Clutch_(company)](https://en.wikipedia.org/wiki/Clutch_(company)) – History, funding rounds, revenue (C$320M in 2024), valuation, employee count (~510 in 2025), recognition
5. [ca.linkedin.com/company/clutch-canada](https://ca.linkedin.com/company/clutch-canada) – Company LinkedIn page (headcount, location, industry)

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