Harnham
Senior Data Scientist
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Senior Data Scientist
Central London (2 days per week in office) | Up to £85,000 + Equity
If you're the type of Data Scientist who enjoys seeing your models directly influence business decisions, this could be a great fit.
This isn't a role where you'll spend months optimising models in isolation. You'll be working closely with senior leaders, owning credit risk models from development through to deployment, and helping shape how a growing fintech makes lending decisions. The team is small, collaborative, and moving quickly, so you'll have the opportunity to make a visible impact from day one.
The Company
They are a growing fintech that is taking a different approach to consumer lending. Rather than relying solely on traditional credit scoring, they use a broader view of affordability and income data to make more personalised lending decisions.
The business has already proven its model, is cash-flow positive, and is entering its next phase of growth following additional investment. You'll join a lean team where decisions are made quickly and where your work will have a genuine influence on the direction of the business.
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The Role
This is a hands-on Senior Data Scientist position focused on credit risk modelling, decisioning, and model deployment.
You will:
- Build, improve, and deploy credit risk and decisioning models.
- Develop scorecards and machine learning models that directly influence lending decisions.
- Work with Open Banking, bureau, affordability, and customer data to create robust predictive models.
- Own the full model lifecycle, from development and testing through to production monitoring.
- Contribute to model infrastructure and data pipelines within AWS.
- Partner closely with leadership to ensure models drive better commercial and customer outcomes.
- Help shape the future data science capability as the business continues to scale.
Your Skills & Experience
You will likely have:
- Strong commercial experience building credit risk models, scorecards, or decisioning models.
- Experience applying machine learning techniques within lending, fintech, insurance, or wider financial services.
- A solid understanding of how models are deployed, monitored, and maintained in production.
- Strong Python and SQL skills.
- Experience working within AWS, ideally including SageMaker and Lambda.
- An understanding of how risk models influence lending strategies and commercial outcomes.
- A proactive mindset and the confidence to take ownership in a growing business.
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What They Offer
- Salary up to £85,000.
- Equity opportunity at an exciting stage of growth.
- Hybrid working with 2 days per week in their central London office.
- Direct access to founders and senior decision-makers.
- The opportunity to build rather than inherit, with genuine ownership over your work.
- A chance to join a profitable fintech before its next major growth phase.
How to Apply
If you're looking for a role where you'll have real ownership, influence lending strategy, and help build the next stage of a growing fintech's journey, please apply with your CV for more information.
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