Full job description

SENIOR DATA SCIENTIST
UP TO £70,000 + EQUITY
LONDON
HYBRID WORKING - 2 DAYS PER WEEK
Join a fast-growing fintech redefining lending through smarter, more personalised credit decisions.
Take ownership of end-to-end modelling and shape how data directly drives real-world lending outcomes.
THE COMPANY
A UK-based fintech lender building an innovative consumer lending product focused on flexibility and affordability. The business is customer-first, using income and affordability data to make fairer lending decisions beyond traditional credit scores. With a proven model in place and strong growth plans, they offer a unique opportunity to join at an early but established stage.
THE ROLE
As a Senior Data Scientist, you will take ownership of credit risk and decisioning models, working across the full lifecycle from development through to deployment. This is a highly hands-on role with significant influence on how data drives commercial lending decisions.
Specifically, you can expect to be involved in:
*Building and optimising credit risk models, including scorecards and machine learning approaches
*Deploying models into production and monitoring performance over time
*Developing data pipelines and integrating multiple data sources into decisioning frameworks
*Working closely with stakeholders to ensure models directly influence lending strategy and outcomes
SKILLS AND EXPERIENCE
*Strong experience developing credit risk models, including scorecards and ML models
*Proficiency in Python and SQL for data analysis, modelling, and data manipulation
*Experience working with cloud-based infrastructure (e.g. AWS)
*Understanding of model deployment and production environments
*Ability to translate technical work into commercial lending and commercial insights
*Familiarity with financial services data such as bureau, Open Banking or affordability data
BENEFITS
The successful Senior Data Scientist will receive up to £70,000 and a comprehensive benefits package.