Harnham
Data Scientist, Credit Risk - FinTech
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Want to build credit risk models that directly influence lending decisions?
Looking for broader ownership than a traditional modelling role offers? Excited by the opportunity to work across modelling, deployment and decision science?
A growing UK FinTech is hiring a Data Scientist to join its Decision Science team. The business has developed an innovative lending model that provides customers with a more transparent and accessible alternative to traditional credit products. With around 100 employees, a strong culture and a collaborative environment, this is an opportunity to have direct influence on how lending decisions are made across the business.
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This role focuses on developing and enhancing credit risk models, with a particular emphasis on scorecards, affordability and decisioning. You'll work across the entire model lifecycle, giving you far greater ownership and commercial exposure than a typical modelling position.
Key Responsibilities
- Develop and improve credit risk scorecards and lending models
- Build solutions using Open Banking and bureau data
- Enhance model performance through feature engineering and analysis
- Support affordability modelling and lending decision optimisation
- Deploy and monitor models across production environments
- Partner with underwriting, finance and credit strategy teams
- Contribute to IFRS9 and wider risk modelling initiatives
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Key Details
- Salary: £55,000-£65,000
- Working Model: Hybrid, 2 days per week in Central London office
- Tech Stack: Python, SQL, Open Banking Data, AWS SageMaker (desirable), Databricks (desirable)
- Visa Sponsorship: Cannot sponsor
Interested? Please apply below.
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