Senior Data Scientist Behavioural Credit Modelling

Senior Data Scientist – Behavioural Credit Modelling

Hybrid working – London offices

Up to £75,000 DOE + Benefits

Ref: J12979

Are you passionate about building behavioural models that power smarter, fairer credit decisions?

We’re working with a UK-based consumer finance specialist that’s reshaping the credit industry, cutting out complexity and using data to drive real-world impact. Think Challenger Fintech for consumer finance, with clear ethics and accountability.

This is a genuine opportunity to make your mark in a high-growth business that’s reshaping credit from the inside out.

About the Role

As a Senior Data Scientist, you’ll take ownership across thefull lifecycle of model development—from data wrangling and feature engineering to building and deploying ML models in production.

Your work will directly power business decisions acrossunderwriting, fraud detection, and customer conversion. This is a hands-on, end-to-end role where your skills in predictive modelling will make a real-world impact.

You’ll be working with structured and unstructured data as part of a collaborative, agile team—developing intelligent solutions that support fair and effective credit decisions.

We’re looking for someone who:

• Has a Bachelor’s degree in Computer Science, Mathematics, Statistics, or related field
• Bringsadvanced SQLskills and strong experience withPython(pandas, sklearn, seaborn, etc.)
• Understands the mechanics behind ML algorithms—not just how to run them
• Enjoys solving problems and improving processes
• Has hands-on experience developingunderwriting or behavioural credit models - Expect to be using your skills to design, build, and deploy models from day one
• Communicates effectively with both technical and non-technical stakeholders
• Thrives in a fast-moving, data-led environment
• Understands the importance of monitoring for data drift
• Visualisation is a key aspect of the role — Be ready to bring your team's ideas to life!

It’s a plus if you also have:

• A Master’s in Data Science, ML, or a related field
• Credit card industry knowledge
• Experience with deep learning (Keras, TensorFlow)
• Familiarity with GitHub or Bitbucket
• Tableau experience or similar
• An interest in applying research to commercial problems
• Knowledge of the credit card or consumer finance sector

What’s in it for you?

• Competitive salary, benchmarked against the industry
• Flexible hybrid working (London office)
• Annual bonus scheme
• Enhanced pension contribution options
• 25–30 days holiday + your birthday off
• Private medical cover (Vitality)
• Enhanced family-friendly policies
• Employee Assistance Programme
• Great culture, perks, and recognition schemes

No VISA sponsorship is being offered for this role.