Senior Data Scientist at Profitable £3.5bn Fintech Unicorn

You will build the proprietary machine learning models that sit at the core of this fintech’s competitive advantage. Focusing on the US market, you’ll develop real-rate, risk-based pricing scorecards for unsecured loans and credit cards. This is an end-to-end role involving model design, deployment, and monitoring using state-of-the-art ML techniques.

• Design, implement, and deploy end-to-end machine learning models to optimize credit risk, pricing, and marketing efficiency.
• Extract and transform complex data sources using Python and experiment tracking tools like MLFlow to drive scorecard development.
• Mentor junior data scientists while collaborating with multidisciplinary teams to translate business problems into advanced technical solutions.

• Proven experience building and shipping production-grade machine learning models in Python with a focus on real-world commercial impact.
• Strong communicator capable of explaining complex risk modeling topics to non-technical stakeholders and business leadership.
• Previous exposure to credit risk decisioning or financial services data, particularly across UK or US geographies, is highly advantageous.

• Join a £3.5bn fintech unicorn that has been profitable since 2017 and is backed by elite investors like Goldman Sachs.
• Take full ownership of credit risk models for the massive US market, working with a rich repository of proprietary financial data.
• Experience a high-growth environment with in-house chefs, hybrid flexibility, and a mission-driven team disrupting dated banking systems.