Senior Data Scientist

Kard Financial, Inc.

3d • $160,000 - $200,000 • Remote

About The Position

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.

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.

Requirements

• 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.

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.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed