About Klar
We're turning one of the world's largest underbanked markets into something fairer, simpler, and more transparent.
7 million users served since 2019. Uber's first global credit card, built right here in Mexico. Klar Empresarial, a brand-new B2B solution — Klar Empresarial — bringing agile credit and smart accounts to SMEs who've been ignored by traditional banks for too long.
And a full banking license on the horizon, because our customers asked for it and we listened.
We move fast, we think big, and we go all in, because as our CEO puts it: "Growing doesn't always mean going further. Sometimes it means going deeper."
Behind all of it is a team of 30+ nationalities, working across Mexico City, Berlin, and Argentina, obsessed with building financial products that are simpler, faster, and fairer than anything that came before.
This is Klar, and we're seeking the people who'll write the next chapter.
Our people
If you join us at Klar, you’ll be welcomed to a team that is rich in many talents and we are very proud! With our head office in Mexico City, and remote tech hubs in Berlin and Argentina, we are always learning something new about another culture or language. With so many people from different backgrounds and walks of life (young professionals, parents, LGBTQ+, neurodivergence), you’ll definitely find your people here!
Our values
- Ownership - We own our successes & our failures as a team.
- Excellence - We do everything to the best of our ability & always seek to achieve a new level of excellence in our work.
- Inclusion - We believe we are stronger together and actively work to promote a safe, diverse, inclusive, and respectful culture.
- Customer Obsession - We understand the value Klar can bring to its customers & it’s always at the forefront of our decisions.
- Klarity - We communicate clearly & with authenticity. It’s in our name & it’s what we do.
About the Role
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!
