Data Scientist, Credit Risk - Fintech

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. 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 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.