Founding Data Scientist - Lending FinTech

Want to shape the future of responsible lending at an early-stage fintech?

Enjoy owning credit models from development through to production?

Looking for the autonomy to influence lending strategy rather than just build models?

This is a 6-person fintech start-up that's recreating personal lending through salary-linked loans, creating a fairer, more flexible borrowing experience centred around affordability rather than traditional credit scoring.

With a live product, positive cash flow and fresh funding on the horizon, they're entering an exciting growth phase and are looking for a Senior Data Scientist to play a pivotal role in scaling their credit decisioning capability.

The Role

You'll join a small, high-impact team reporting directly to the VP of Credit, taking ownership of the company's credit risk modelling and decisioning capability.

Responsibilities:

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• Building and improving credit risk and decisioning models using Open Banking, bureau and internal lending data
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• Developing scorecards and machine learning models to support underwriting decisions
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• Deploying, monitoring and maintaining models within AWS production environments
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• Analysing portfolio performance, arrears, defaults and customer behaviour
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• Working closely with Product, Engineering and Risk to operationalise models and improve lending strategies
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You'll ideally bring:

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• Commercial experience building credit risk or decisioning models within lending (insurance backgrounds may also be considered)
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• Strong experience with scorecards, logistic regression and/or machine learning models
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• Good understanding of how models influence real lending decisions and commercial outcomes
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• Experience deploying and maintaining models within production environments
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• Strong Python, SQL and AWS experience (particularly SageMaker and Lambda)
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• Comfortable working in a fast-moving, hands-on environment with high ownership
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• Excellent communication skills with both technical and business stakeholders
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What's on Offer?

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• Salary up to £70,000
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• Founding equity
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• Hybrid working (2 days per week in Central London)
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Apply below if interested.