Senior Data Scientist – Credit Risk & Decisioning

About the role

We are looking for a Senior Data Scientist to join our London team and work on credit risk and decision‑making models. You will turn complex, often incomplete data into actionable insights that directly influence lending strategies.

Key responsibilities

• Develop and enhance credit risk and decisioning models using customer, credit bureau, transactional and internal data.
• Analyse portfolio performance across originations, arrears, defaults, recoveries and customer behaviour.
• Identify opportunities to improve underwriting strategies and customer decisioning.
• Produce actionable insights from large, complex datasets.
• Build monitoring frameworks and reporting to track model and portfolio performance.
• Support deployment and optimisation of analytical solutions in production environments.
• Investigate data quality issues and drive improvements across reporting and decisioning processes.
• Collaborate with risk, product, engineering and commercial stakeholders to deliver data‑driven solutions.
• Contribute to model governance, validation and documentation activities.

Required profile

• Strong Python experience across analytics, modelling and data processing.
• Hands‑on experience with AWS services such as Lambda, EC2, SageMaker, RDS and CloudWatch.
• Proven track record developing and validating predictive models, including logistic regression and machine‑learning techniques.
• Deep understanding of consumer credit risk, affordability assessment and lending decisioning.
• Excellent analytical and problem‑solving skills with rigorous attention to detail.
• Ability to translate complex analysis into clear business recommendations.
• Proactive, ownership‑driven mindset thriving in a fast‑paced environment.

Required skills

• Python
• AWS Lambda
• AWS EC2
• AWS SageMaker
• AWS RDS
• AWS CloudWatch
• Logistic regression
• Machine learning

What we offer

• Competitive salary
• Opportunity to work in a fast‑growing, data‑led business
• High‑impact projects with direct business visibility
• Influence lending decisions and strategic direction
• Collaboration with experienced professionals across risk, product and technology
• Significant autonomy and ownership in a collaborative environment