Full-Time

Senior Data Scientist

Posted on 9/3/2026

Kard

Kard

51-200 employees

Loyalty rewards API platform for partners

Compensation Overview

$160k - $200k/yr

+ 401(k) employer match

Remote in USA

Remote

Must be available during U.S. core business hours; travel is required for company meetings.

Category
AI & Machine Learning (1)
Required Skills
Scikit-learn
Python
Airflow
Data Science
PyTorch
Xgboost
Apache Spark
SQL
Machine Learning
A/B Testing
AWS
Pandas
REST APIs
Google Cloud Platform

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Requirements
  • At least 6 years of experience in data science, including meaningful experience applying machine learning in production.
  • Strong experience with recommendation systems, ranking models, or personalization, including propensity models, collaborative filtering, or embeddings.
  • Strong knowledge of statistics and experimentation, including A/B testing and incrementality measurement.
  • Experience applying causal inference approaches to real-world observational data.
  • Proficiency in Python, pandas, scikit-learn, PyTorch or XGBoost, and SQL, along with experience working with large-scale datasets.
  • Experience working with event-driven or transaction-level data; experience in fintech, advertising, marketplaces, or similar domains is relevant.
  • Familiarity with modern data and machine learning stacks, including Spark, Airflow, dbt, feature stores, and cloud platforms such as Amazon Web Services or Google Cloud Platform.
  • Experience collaborating with engineers to deploy models into production systems, including application programming interfaces, batch jobs, and real-time scoring.
  • Ability to connect modeling work to business outcomes such as conversion, lift, retention, and return on investment.
  • Availability during U.S. core business hours and willingness to travel for company meetings.
Responsibilities
  • Build and ship machine learning models that drive offer personalization, ranking, and targeting using transaction, merchant, and user behavioral data.
  • Develop features and training pipelines on large-scale event and transaction datasets, including spend patterns, visit frequency, and merchant affinity.
  • Design and analyze A/B tests and incrementality experiments to measure campaign and model impact.
  • Apply causal inference methods, including matching, uplift modeling, and difference-in-differences, to quantify partner return on investment and changes in user behavior.
  • Partner with machine learning and data engineers to productionize models, including feature stores, batch and real-time scoring, and monitoring.
  • Improve and iterate on ranking and recommendation systems to optimize engagement, conversion, and retention.
  • Contribute to attribution and measurement systems that help brands understand incremental value from campaigns.
  • Translate complex modeling outputs into clear, actionable insights for internal teams and external partners.
  • Own projects end-to-end, including 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 Qualifications
  • Experience working with event-driven or transaction-level data in fintech, advertising, marketplaces, or similar domains.

Kard provides a rewards-as-a-service API platform that lets partners such as neobanks and financial institutions offer tailored loyalty rewards to their customers. Through Kard's APIs, businesses can design, manage, and deploy customized rewards programs without building them in-house. The platform handles the reward economics, merchant network, and redemption logic, so partners can offer relevant benefits while Kard takes care of the backend integration and program orchestration. Kard is different from competitors by focusing on a scalable API-driven solution that helps partners quickly expand their merchant networks and tailor rewards to each customer segment, rather than offering a one-size-fits-all loyalty product. The company's goal is to help businesses deepen customer engagement and retention through flexible, easily integrated loyalty programs that can grow with the partner's ecosystem.

Company Size

51-200

Company Stage

Growth Equity (Venture Capital)

Total Funding

$42M

Headquarters

New York City, New York

Founded

2015

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Simplify Jobs

Simplify's Take

What believers are saying

  • Citi announced Kard acquisition on August 13, 2026, exposing Kard to 70 million cardmembers.
  • Kard signed Vervent on April 1, 2026, expanding merchant-funded rewards into traditional finance.
  • Trinity Capital committed $15 million, signaling lender confidence in Kard's commerce media growth.

What critics are saying

  • Citi can absorb Kard's merchant relationships and talent after closing, commoditizing the standalone brand.
  • Cardlytics and rival rewards networks pressure pricing, especially after Cardlytics launched CRP in May 2025.
  • If Citi's closing drags or antitrust scrutiny rises, Kard's employees and partners will churn.

What makes Kard unique

  • Kard sells issuer-integrated, merchant-funded rewards with first-party transaction data and predictive AI.
  • Kard maintains exclusive partnerships across 40-plus fintech and modern issuer partners.
  • Kard built an independent commerce media network before Citi announced its acquisition, August 13 2026.

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Benefits

Unlimited Paid Time Off

Paid Holidays

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Home Office Stipend

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Aug 13th, 2026
Citi acquires commerce media platform Kard to deliver personalised rewards to 70M cardmembers

Citi's US Consumer Cards business has agreed to acquire Kard Financial, a commerce media and rewards platform that helps banks and fintechs deliver personalised offers through verified transaction data and merchant-funded rewards. The acquisition aims to combine Citi's scale and payments expertise with Kard's machine learning-powered technology and merchant relationships to enhance customer engagement and create new opportunities for brands to reach consumers. Kard operates a platform that connects financial institutions and merchants through a network of leading fintechs, banks and neobanks. The company's founder and chief executive, Ben Mackinnon, said the deal would allow Kard to extend its services to Citi's 70 million cardmembers. Transaction terms were not disclosed. The deal is subject to customary closing conditions.

PR Newswire
Oct 21st, 2025
Trinity Capital Inc. Provides $15 Million in Growth Capital to Kard, Accelerating Growth of Its Commerce Media Network

/PRNewswire/ -- Trinity Capital Inc. (Nasdaq: TRIN) (the "Company"), a leading alternative asset manager, today announced the commitment of $15 million in...

StockTitan
Oct 21st, 2025
Trinity Capital Invests $15M in Kard

Trinity Capital Inc. (Nasdaq: TRIN) has announced a commitment of $15 million in growth capital to Kard Financial, Inc. This funding aims to accelerate the growth of Kard's commerce media network, which supports fintechs and financial institutions in enhancing usage, loyalty, and engagement through merchant-specific rewards.

FinSMEs
May 2nd, 2022
Kard Raises $23M In Series A Funding

Kard, a New York-based provider of an API service that connects modern card issuers to brands, raised $23M in Series A funding. The round was led by Tiger Global, with participation from Fin Capital, s12f, and Underscore VC. The company intends to use the funds to expand its merchant network and product suite, as well as [] The post Kard Raises $23M in Series A Funding appeared first on FinSMEs.

VCNewsDaily
May 1st, 2022
Kard Collects $23M Series A

NEW YORK, NY, Kard, a rewards platform, has raised a $23M Series A round led by Tiger Global Management.