Clear Nexus Inc

Location: Remote (India / Philippines preferred; open to other regions)​ Employment Type: Full-Time About Us We are an innovative fintech group operating in the subprime and alternative lending space, building advanced tools to optimize underwriting, fraud prevention, and collections. Our proprietary platforms — Protheus (decision engine) and Terminator (bank statement / cash flow analyzer) — power smarter, faster credit decisions. We are now expanding our data science team to push the boundaries of what’s possible in collections optimization and cost reduction. The Role We are looking for a Data Analyst with a strong Machine Learning background to design, build, and deploy predictive models that improve loan performance, reduce defaults, and increase collections efficiency. You’ll work directly with our proprietary systems, ingesting major credit bureau data and alternative financial datasets, and turning them into actionable insights that drive real business impact. What You’ll Do ∙Develop and deploy ML models for risk prediction, repayment scoring, and collections optimization. ∙Analyze data flowing through Protheus and Terminator, identifying cost-savings opportunities. ∙Work with major credit bureau and alternative finance data sources. ∙Build dashboards and tools to monitor loan portfolio health and model performance. ∙Translate complex analytics into business strategies that improve underwriting and recovery. What We’re Looking For ∙3+ years’ experience in data analytics / ML (preferably in lending or financial services). ∙Hands-on experience with credit bureau data (Equifax, Experian, TransUnion, Clarity, FactorTrust, etc.). ∙Proficiency in Python/R, SQL, and ML frameworks (scikit-learn, TensorFlow, or PyTorch). ∙Strong understanding of subprime / alternative lending and collections processes. ∙Ability to work independently in a remote, fast-moving environment. Nice to Have ∙Exposure to fraud prevention analytics. ∙Experience with decision engines or underwriting workflows. ∙Familiarity with alternative data (banking transactions, behavioral data, device/IP). What We Offer ∙Competitive salary aligned with your market (India/Philippines benchmarked). ∙Remote-first culture with a global team. ∙Direct impact on cutting-edge fintech products. ∙Career growth into lead analytics / data science roles. Salary Range ∙India: $15,000 – $25,000 USD per year ∙Philippines: $15,000 – $25,000 USD per year​ (Comparable ranges available in other emerging markets with similar skill levels). If you’re passionate about using data and ML to solve real problems in lending and want to help us transform how subprime credit is managed, we’d love to hear from you. Apply Now and be part of building the future of lending analytics. Job Types: Full-time, Permanent Pay: From ₹1,500,000.00 per year Benefits: Work from home Application Question(s): How many years of experience do you have with credit bureau data (Equifax, Experian, TransUnion, Clarity, FactorTrust, Microbilt). Experience: Data analysis / ML: 3 years (Preferred) Hands-on use of Python/R + SQL: 1 year (Preferred) Lending or financial services analytics background: 1 year (Preferred)