Full job descriptionData Scientist
London | £40,000 - £60,000This is an opportunity to join a growing data science team where you’ll work on end-to-end machine learning solutions that directly influence lending decisions, risk management, and commercial performance. You’ll collaborate with decision science, credit strategy, engineering, and product teams, solving complex business challenges through advanced analytics and machine learning.THE COMPANYThis fast-growing financial technology business leverages data, automation, and machine learning to deliver innovative funding solutions to businesses at scale. Operating in a highly analytical environment, they place data science at the heart of decision-making and product development.Following significant growth, the business is investing further in its modelling capabilities and expanding its data science team. This is a great opportunity to join a collaborative function where your work will have visible commercial impact.THE ROLE* Build and develop credit risk models from scratch, including scorecards, probability of default models, and forecasting models.* Apply machine learning techniques to improve underwriting and decision-making processes.* Analyse large datasets to identify trends, risks, and opportunities.* Develop predictive models to support risk, fraud, and business performance objectives.* Work closely with stakeholders across product, engineering, risk, and commercial teams.* Create clear insights and visualisations to support business decisions.* Contribute to model deployment, monitoring, and lifecycle management.* Support the development of scalable analytical solutions and best practices.YOUR SKILLS AND EXPERIENCE* Strong commercial experience in Data Science within credit risk or lending environments.* Experience building predictive models from scratch rather than solely maintaining existing models.* Hands-on machine learning experience.* Strong Python and SQL skills.* Experience developing scorecards, credit risk models, or related predictive analytics solutions.* Ability to communicate technical findings to both technical and non-technical stakeholders.* Experience within consumer lending, SME lending, fintech, banking, or related financial services environments.Desirable:* Experience within SME lending.* Exposure to MLOps or model deployment frameworks.* Experience working in fast-paced, data-driven businesses.SALARY AND BENEFITS* £40,000 - £60,000 base salary depending on experience.* Hybrid working model with flexibility around office attendance.* Competitive benefits package.* Opportunity to work alongside experienced data science, risk, and engineering professionals.* Clear opportunities for career progression within a growing team.HOW TO APPLYPlease register your interest by sending your CV to Rachael through the Apply link for this role.