Data Scientist

Wagestream is on a mission to bring better financial wellbeing to frontline workers.

We partner with some of the world’s most famous employers, like Bupa, Burger King, Greene King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.

Wagestream is unique: VC-backed and growing at scale-up pace, but with a social conscience. Some of the world's leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn ‘premium’ lower-income earners pay for financial services each year.

You’d be joining a team of over 200 passionate, ambitious people, across Europe and the USA, building a category-leading fintech product and all united by that same mission.

The Opportunity:

Wagestream is hiring multiple Data Scientists to embed into our Consumer Credit and Operations divisions and assist our leadership team on making data-informed decisions. We are interested in meeting Junior, Senior, and Lead Data Scientists.

We believe that Data Science consists of 4 key elements:

1. Data Analysis
   1. Includes data cleansing, writing complex SQL queries and using commercial understanding to deliver actionable insights.
2. Data Visualisation
   1. Includes creating dashboards and reports in various formats so as to make data more understandable to all stakeholders.
3. Data Engineering
   1. Includes writing Python, following SDLC best practices, using Git, and creating data products in dbt.
4. Applied Statistics & Machine Learning
   1. Includes experiment design and analysis, causal inference, hypothesis testing, feature engineering, and ML model development and deployment.

You don't have to be great at all of these areas for us to want to talk to you. We want to help you grow and develop your skills in areas you are less familiar with over time.

We expect Junior Data Scientists to focus primarily on Data Analysis & Visualisation, whereas we expect Lead Data Scientists to have strong grounding across all 4 elements.

The Team:

We are hiring multiple roles into two different teams.

Credit:

Sitting in the Credit division, you will report directly to the Senior Director of Credit Engineering while collaborating heavily with Wagestream’s Data Science and Software Engineering communities to deliver business & customer impact.

Operations:

Sitting in the Operations division, you will report directly to the VP of Operations while collaborating heavily with Wagestream’s Data Science and Software Engineering communities to deliver business & customer impact.

What will you be doing?

The specific activities of the role will depend on the division and seniority.

• Building reports and dashboards that provide clear information about our teams' progress on various KPIs.
• Creating data products (dbt models) that can be used by the broader Wagestream organisation.
• Developing classification and regression machine learning models, using techniques such as random forests and gradient boosting.
• Identifying gaps in data extraction from third party systems and working with Software Engineers to capture all required data.
• Analysing the results of A/B tests and performing hypothesis testing to help us improve our product.
• Assisting with the development of our bespoke LLM-based Customer Support agent.

Our Tech Stack:

• Data: dbt, Snowflake, PostgreSQL, Sigma, Redash
• Code: Python
• Infra: AWS, GitHub

What experience might you have?

Must-haves:

• Strong mathematical skills, ideally grounded in a quantitative STEM degree such as Mathematics, Computer Science, Physics or Engineering.
• Previous professional experience in a Data Science, Data Engineering, Analytics Engineering, Data Analysis or Software Engineering role.
• Previous professional experience writing SQL & Python.
• Advanced SQL skills, covering window functions, CTEs, recursion and performance optimisation.
• Good communication skills, enthusiasm, humility and a desire to learn.
• A preference to work in a fast-paced and ambiguous environment.

Nice to haves:

• Advanced Python skills, covering functional programming and testing.
• Advanced ML skills, covering techniques such as gradient boosting, random forests and neural networks.
• Prior experience with dbt and Snowflake.
• Prior experience deploying ML models.
• Prior experience in consumer credit products, or any lending products.

Salary:Dependent on seniority, minimum £60,000 with no upper bound + equity

Career structure:DS1 - Junior Data Scientist, DS2 - Data Scientist, DS3 - Senior Data Scientist, DS4 - Lead Data Scientist, DS5 - Staff Data Scientist, DS6 - Head of Data Science

Working Policy:Hybrid, with three office days per week

Location:Central London

Benefits:

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs
• 10 days Annual Leave Buy-Back scheme
• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service
• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments
• Sabbatical scheme
• Paid leave to volunteer
• Work from Abroad policy
• Private Healthcare including comprehensive mental-, physical- and dental healthcare
• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth
• Season Ticket Loan
• The best benefit of all, access to Wagestream!
• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value

Additional:

• Additional Pension Payments
• Workplace nurseries
• Cycle to Work
• Home and Tech Scheme
• Healthcare cash plans, etc.

At Wagestream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Wagestream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.

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