Data Scientist Company: Buffer Financial Inc.

Location:
Remote (Canada). Preference for candidates based in British Columbia. Employment type: Full-time Seniority: Mid-Senior Expected pay range (CAD / year): CAD $95,000
- $125,000 Pay transparency: This expected pay range is provided in accordance with British Columbia's Pay Transparency Act. Final compensation depends on experience, skills, and interview outcomes. Additional details of the total package are discussed in interview. About Buffer Financial Buffer Financial Inc. is a Vancouver, BC fintech founded in May 2026. We help Canadian employers offer small emergency loans to their employees, with zero cost to the employer. Product facts:
• Loan amounts: CAD $100 to $1,500
• Terms: 1 to 6 months
• APR: 12% to 18%
• One-time 29-day interest-free period from payout
• No late fees
• No hard credit check
• Zero data shared with employers
• Buffer reports loans to credit bureaus, and if borrowers don't pay their instalments, Buffer will report it to credit bureaus HQ: Vancouver, BC. Team of 7, pre-seed. Website: https://mybuffer.ca Role summary Turn Buffer's product and risk data into models and insights that improve credit outcomes, repayment performance, and employer program health. You will work closely with engineering and founders on experimentation, scoring inputs, and decision support for a young lending product. Responsibilities
• Build and evaluate analytical and ML models that support underwriting-adjacent decisions, fraud signals, and repayment forecasting




• Design experiments and analyses that inform product and risk policy
• Define metrics, dashboards, and data quality checks for core funnels (application, approval, payout, repayment)
• Partner with engineering on feature pipelines and productionization paths
• Communicate findings clearly to non-technical stakeholders
• Document assumptions, limitations, and monitoring plans for models in use Requirements
• 3+ years as a data scientist, applied ML scientist, or similar role
• Strong Python (pandas, scikit-learn or equivalent) and SQL
• Experience framing ambiguous business problems as measurable analyses
• Solid statistics: experimental design, classification/regression, model validation
• Ability to work with imperfect early-stage data and prioritize high-impact questions
• Authorized to work in Canada; based in Canada (BC preferred) Nice to haves
• Credit risk, lending, or payments experience
• Experience shipping models to production with monitoring
• Familiarity with Canadian credit bureau data or alternative data sources
• Prior startup experience

What we offer
• Remote work across Canada, with preference for British Columbia residents
• Early-stage ownership: your work shapes product, process, and culture from day one
• Direct access to founders and a small, team-oriented team
• Meaningful mission: helping Canadian employees handle short-term financial gaps with transparent, instalment-based loans
• Compensation and any other package details are discussed in interview Closing Follow Buffer Financial on LinkedIn for updates.

📌 Data Scientist (Canada)
🏢 Buffer Financial
📍 Canada