---
title: 'Senior Data Scientist at Kard Financial, Inc.'
canonical: 'https://feeny.ai/job/senior-data-scientist-kard-financial-inc-remote-f5h7gg3mfdn9'
type: 'job'
last_seen: '2026-09-05'
---

# Senior Data Scientist at Kard Financial, Inc.

- **Company:** Kard Financial, Inc.
- **Location:** Remote
- **Compensation:** $160k–$200k
- **Work type:** remote
- **Posted:** 2026-04-21
- **Last confirmed live:** 2026-09-05
- **Apply:** https://job-boards.greenhouse.io/kardfinancialinc/jobs/4687061005

## Job description

Kard is building commerce media infrastructure that connects financial institutions, financial-services platforms, and merchants through data and merchant-funded rewards. As our reach expands, we are building for a step-change in scale, and for opportunities ranging from more relevant rewards and marketer intelligence to new commerce and distribution models.

## About the Role

As a Senior Data Scientist at Kard, you will build and deploy machine learning and experimentation systems that power our card-linked offers platform. Your work will directly improve how users discover and engage with offers, and how partners measure ROI. You’ll operate across personalization, ranking, and causal measurement - partnering closely with Product, Engineering, and Sales to turn behavioral transaction data into production-grade models and insights.

## Responsibilities

- Build and ship ML models that drive offer personalization, ranking, and targeting using transaction, merchant, and user behavioral data.
- Develop features and training pipelines on top of large-scale event and transaction datasets (e.g., spend patterns, visit frequency, merchant affinity).
- Design and analyze A/B tests and incrementality experiments to measure campaign and model impact.
- Apply causal inference methods (e.g., matching, uplift modeling, diff-in-diff) to quantify partner ROI and user behavior changes.
- Partner with ML and Data Engineers to productionize models, including feature stores, batch/real-time scoring, and monitoring.
- Improve and iterate on ranking/recommendation systems to optimize engagement, conversion, and retention.
- Contribute to attribution and measurement systems that help brands understand incremental value from Kard campaigns.
- Translate complex modeling outputs into clear, actionable insights for internal teams and external partners.
- Own projects end-to-end: problem framing, data exploration, modeling, deployment, and post-launch evaluation.
- Help define best practices for experimentation, model evaluation, and data quality across the team.

Desired Skills

- 6+ years of experience in data science, with meaningful experience in applied machine learning in production.
- Strong experience with recommendation systems, ranking models, or personalization (e.g., propensity models, collaborative filtering, embeddings).
- Solid grounding in statistics and experimentation, including A/B testing and incrementality measurement.
- Experience with causal inference approaches for real-world observational data.
- Proficiency in Python (pandas, scikit-learn, PyTorch/XGBoost) and SQL; experience working with large-scale datasets.
- Experience working with event-driven or transaction-level data (fintech, ads, marketplaces, or similar domains preferred).
- Familiarity with modern data/ML stacks (e.g., Spark, Airflow, dbt, feature stores, cloud platforms like AWS/GCP).
- Experience collaborating with engineers to deploy models into production systems (APIs, batch jobs, real-time scoring).
- Ability to connect modeling work to business outcomes like conversion, lift, retention, and ROI.
- Strong communication skills; able to explain tradeoffs and results to both technical and non-technical audiences.
- Pragmatic, product-minded, and impact-driven.
- U.S. core business hours availability and willingness to travel for company meetings.

Remote - USA Pay Range $160,000—$200,000 USD

Why Join:

Kard recognizes the unique value each of us brings to our collective success. As part of our remote-first team, you'll have the autonomy to influence our trajectory, actively contributing to the growth of our business and the evolution of our company culture. By embodying our core values of Initiative, Openness, and Humility, you will not only witness but directly foster an inclusive and dynamic work environment, from the executive level down.

Our competitive benefit plan includes:

- Flexible PTO, with a minimum requirement to take one day off a quarter, ten days a year, promoting mental well-being
- Observance of 11 Federal Holidays, plus an additional day each for Black Friday and Christmas Eve (US employees only)
- Health, Dental and Vision Insurance
- 401k with employer match (US employees only)
- Coworking space and WFH setup reimbursement
- Company Offsites for planning, team-building, and networking

Kard is an equal opportunity employer and we actively encourage applicants of all genders, backgrounds, and experiences to apply. We believe that diverse perspectives enrich our workplace and drive our success.

## About Kard Financial, Inc.

## Company Overview
- **One-liner**: Kard is a rewards-as-a-service API platform and the first independent commerce media network that uses predictive AI and first-party transaction data to power hyperpersonalized offers and performance marketing.
- **Entity Type**: Private (funded startup; raised $30 million total, including $23 million Series A)
- **Headquarters**: Remote‑first, United States (team across all U.S. time zones)
- **Founded**: 2015
- **Founders**: Ben Mackinnon

## Core Business
- **Primary Industries**: Commerce media / loyalty / rewards‑as‑a‑service; adtech; fintech.
- **Target Customers**: B2B – fintech companies, banks, card issuers (FIs), and merchants (both online and brick‑and‑mortar).
- **Mission**: Build the first open loyalty system – a rewards‑as‑a‑service platform that enables modern issuers to connect consumers with brands they love.

## Products & Services
- **Commerce Media Network (for merchants)**: A pay‑for‑performance ad solution where merchants only pay for verified purchases, not impressions. Uses transaction data from 47M+ cardholders to target new, existing, or lapsed customers with personalized offers (location‑based, tiered, spending challenges). Includes A/B testing, AI‑driven insights, and real‑time adjustments.
- **Rewards‑as‑a‑Service API Platform (for fintechs & FIs)**: An API‑first platform that allows issuers to design their own loyalty UX while Kard handles the backend – offer management, transaction tracking, push notifications, and email campaigns. PCI‑Compliant and SOC 2 certified.
- **Realtime Ad Network**: Leverages transaction data from tens of millions of consumers to give advertisers insights into shopping behavior across the entire wallet.

## Market Standing
- **Valuation / Market Cap**: Not disclosed.
- **Key Metric**: **Total Funding** – $30 million (including a $23 million Series A round).  
  *Annual revenue is not publicly available.*
- **Notable Investors / Partners**: Not named explicitly in provided materials, but listed as “backed by $30M from industry‑leading investors and seasoned experts.” Also named “Techstars mentor” and “active angel investor in fintech and adtech startups” in founder bio – suggests affiliation with Techstars.
- **Growth Signals**: 
  - Named to the **2024 Fintech Innovation 50**.
  - Earned a spot on the **Inc. 5000 list of America’s Fastest‑Growing Private Companies**.
  - Employees: ~50 team members (as of latest careers FAQ) and “growing rapidly.”
  - Claims 47M+ cardholders in its network, 25K+ US locations, and metrics such as 15% re‑engagement of previously inactive cardholders and 40% more repeat purchases.

## Competitive Advantages
- **First independent commerce media network** – operates as a neutral, open platform not owned by a single bank or card network.
- **Pay‑only‑for‑verified‑purchases** model (performance‑based, not impression‑based).
- **Real first‑party transaction data** from millions of Gen Z and Millennial shoppers, enable hyperpersonalization and closed‑loop measurement.
- **API‑first, flexible design** – issuers can keep their own UX while Kard handles the heavy lifting.
- **PCI‑Compliant and SOC 2 certified** – security credentials that satisfy the largest banks and fintechs.

## Strategic Focus
- Expand the open loyalty system by onboarding more issuers, fintechs, and merchants.
- Deepen AI‑powered predictive targeting and real‑time offer optimization.
- Grow the network effect: more cardholders → better transaction data → more effective offers → more merchants and issuers joining.
- Continue scaling the “real‑time ad network” to provide cross‑merchant insights.

## Why Work Here
- **Fully remote** – “100% remote” with employees in every U.S. time zone. Work‑from‑home reimbursements and wellness stipend provided.
- **Great benefits**: Open PTO, health/vision/dental insurance, employer 401k contributions, paid parental leave, development budget.
- **Culture**: Emphasizes humility, initiative, openness, and inclusivity. Annual team offsites (2+ per year) to strengthen bonds.
- **Transparent compensation** – salary ranges included in every job description; pay targets “meet or exceed 75% of the current market rate.”
- **Structured, respectful hiring process** – interview process designed to be completed in 3–4 weeks, with take‑home assignments for R&D roles. Strong commitment to diversity and reducing bias.
- **Current open roles (R&D & Sales)**: Measurement Lead, Senior Analytics Engineer, Senior Data Scientist, Merchant Account Executive – all remote.

## Sources
1. [getkard.com](https://www.getkard.com/) – Company overview, product features, security, network stats.
2. [getkard.com/careers](https://www.getkard.com/careers) – Benefits, values, remote policy, inclusivity.
3. [getkard.com/about](https://www.getkard.com/about) – History, founder, mission, Series A funding, awards (Fintech Innovation 50, Inc. 5000).
4. [getkard.com/guide-to-interviewing-at-kard](https://www.getkard.com/guide-to-interviewing-at-kard) – Interview process, team size (~50), remote FAQ, compensation philosophy.
5. [job-boards.greenhouse.io/kardfinancialinc](https://job-boards.greenhouse.io/kardfinancialinc) – Open positions, total funding ($30M), investors.

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