Company:TRIVER

Role:Data Scientist

Location:London Area, United Kingdom

On-site / remote:Hybrid

ABOUT US

We power entrepreneurs with extraordinary financial tools.

5 million of small businesses in the UK generate £1,000 billion of B2B turnover every year. We believe that entrepreneurs are the heroes of the real economy, and they deserve to be well supported. 

Unfortunately, with 55 days of average payment terms, UK SMEs continually endure £150 billion of capital shortage due to unpaid invoices. Cash flow challenges constrain economic growth and are responsible for many business failures - impacting people’s lives and the broader society.

In today’s world, this problem can be solved. We exist to power real entrepreneurs with extraordinary financial tools to make the real economy prosper. Leveraging the latest technology, we can provide instant access to short term capital in a click and make working capital financing a problem of the past.

TRIVER is the new breed of fintech, just 2 years old. We harness the power of open banking data and other data sources to deliver 100% automated working capital solutions. Our revolutionary API-first platform enables any company to offer instant capital to their SME clients through straightforward plug & play integration.

We are embarking on a journey to revolutionise financial services and create a world of extended possibilities. Now is the best time to join the adventure.

WORKING WITH US

A low ego, high bar environment.

We are an international, diverse, and passionate team of creators, doers and innovators who want to empower entrepreneurs with out-of-the-box ideas to make the real economy thrive. We believe in unleashing talent potential and harnessing the power of creativity. 

You will join a fast-paced team of entrepreneurs who are on a mission to revolutionise the way small businesses get supported. There will be a lot of white boarding, inventing new concepts, navigating uncertainty through ups and downs. There won’t be much

hierarchy and pre-defined rules. There will be a lot of learning and sharing. It will be hard, and it will be fun.

ABOUT YOUR ROLE

Building a sustainable business through smart AI for an exceptional customer experience that enables accelerated growth

At TRIVER, we provide instant capital to support SME’s short term cash flow needs. We do this by leveraging the latest technology, processing a vast amount of data and making instant decisions through sophisticated models and algorithms. 

As aData Scientistat TRIVER, you will play a pivotal role in building this instant decisioning engine, by utilising the vast customer data and ensuring we make the right choices to delight customers and manage the cost of bad debt. Your efforts will directly impact TRIVER’s business performance and growth trajectory.

Responsibilities

• Optimising Customer Strategies:Understand customer behaviour, analyse and propose changes to customers strategies and product terms (e.g. Price, Limit, market targeting), including potential segmentation to drive improvements in usage and risk
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• Define Credit Strategies:Develop credit strategies through analysis of credit performance to ensure that losses remain within risk appetite while delivering maximum growth opportunity. This includes but is not limited to adjustments to decisioning criteria, models cutoffs, collections treatments.
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• Analysing strategy performance:Understand commercial and risk performance, providing explanations for fluctuations in key performance metrics
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• Making Recommendations:Through an understanding of commercial and risk performance, take speedy action to resolve or improve performance by analysing adjustments or alternative strategies and proposing changes to ensure that performance of the portfolio stays on track.,
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• Product Development/Product parameterisation:Work closely with the product team to develop product features that enhance the customer experience and/or grow the appeal to a wider target audience. This involves providing the detailed requirements to be built within tech.
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• Financial forecasting: Develop a deep understanding of the business commercials, providing profitability assessments as part of the impact assessment of key business developments. Use this understanding to provide forecasts of business performance. 
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• Support the development of data capability:Be a key contributor into the design and development of TRIVER’s data architecture to enable analytical accomplishment
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• Become a data expert:Develop a deep understanding of credit bureau, open banking data and accounting data to form a deep understanding of our customers and offer the best customer treatment.

You should apply if 

• Have 2+ years of experience in working in an analytical role within a lending organisation (Bank or Fintech)
• Have experience working within credit risk department 
• Be proficient in coding languages such as SQL, Python and R
• Already have an understanding of profitability and the key drivers of commercial performance in a lending business
• Have at least a numerate degree, preferably a masters, and be a confident practitioner of statistical techniques 

you are

• A problem-solver with excellent analytical skills 
• A broad thinker who can think conceptually and is aware of the wider considerations.
• A person comfortable handling a large quantity of data and with a good attention to detail.
• A clear communicator who is able to explain complex analytical concepts in a simple manner to a wider audience
• Results-driven with a strong focus on delivering quality analytics at speed
• A self learner that is comfortable exploring and adapting to new tools and techniques
• Is able to work independently to make recommendations

Nice to have

• Experience building machine learning models
• Experience building complex financial simulation models
• Direct experience in marketing analytics
• Experience with SME finance

WHY JOIN US?

Life is too short to do uninteresting things. Join us now and challenge yourself to do things you never thought you could achieve. Work hard, learn, enjoy yourself and take pride in building something special that you will always cherish.

Be part of a talented team that will respect and value who you are - whoever you are. We are a fact-based organisation - we don’t judge from preconceived ideas but from tangible actions. And we are winning as one team.