Senior Data Scientist – Credit

• Develop and deploy credit scoring, affordability, and behavioural models for underwriting, pricing, and collections
• Design and run experiments to optimise approval rates, loss rates, and profitability
• Partner with product squads to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across decisioning processes
• Mentor product squads on experimentation and data-driven decision-making best practices
• Provide models to optimise collections, churn management, and user retention
• Build credit risk models and shape pricing, credit limit modelling, and credit model deployment strategy
• Translate complex data into actionable decisions supporting growth and healthy portfolio performance

• Degree or qualifications in a quantitative field such as Statistics, Mathematics, Engineering, or similar
• 5+ years of experience in data science, decision science, or risk analytics within financial services
• Working knowledge of credit risk, consumer lending, and regulatory considerations
• Proficiency in SQL and at least one modelling/programming language: Python or R
• Experience with A/B testing, machine learning, collections modelling, and churn management
• Ability to translate complex analyses into clear recommendations for business stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional teams

• Pension
• Health insurance
• Monthly bonuses
• Learning and development-focused environment
• Knowledge sharing, training, and regular internal technical talks
• Culture prioritising employee well-being, valuing all opinions, and supporting an inclusive workplace