Credit - Data Scientist - Eximius Finance

The role will cover the following aspects :

• Refine Underwriting Scorecards : Collaborate with other teams to design, test, and deploy new scorecards and scorecard driven strategies in our automated credit systems.
• Leverage Alternative Data : Analyse structured and unstructured data from e-commerce platforms, open banking, and other non-traditional sources to improve underwriting precision and customer segmentation.
• Drive Pricing Optimisation : Support the development of dynamic, risk-based pricing models to ensure alignment between credit risk, customer lifetime value, and revenue objectives.
• Design and Run Experiments : Structure A / B tests and pilots to evaluate the impact of changes in credit policy, eligibility criteria, and pricing strategies.
• Collaborate Across Functions : Partner with teams in Product, Engineering, Sales, and Operations to ensure credit strategy aligns with customer experience, operational capabilities, and commercial goals.

• Experience within credit / lending idea SME or unsecured consumer
• 5-10years in data analytics / data science
• Understanding of the fintech landscape and challenges

NB - No sponsorship on offer and the role is 3 days in the office in London.