Data Scientist - Consumer Fintech

Do you want to build ML models that directly drive real commercial decisions?

Have you worked on customer behaviour, risk, or growth problems using production data?

Are you looking to join one of the most respected, profitable consumer fintechs in the UK

We’re hiring 1x Data Scientist and 1x Senior Data Scientist for a highly established UK consumer fintech operating across lending and credit products. This is a long-standing, profitable business with a strong reputation for data quality, engineering standards, and thoughtful hiring. The company has expanded internationally in recent years and operates at meaningful scale.

Data Science sits at the core of decision-making. This is not an insights or reporting role — models are production-owned and directly influence customer outcomes, risk, and growth.

The Role

You’ll work within a core modelling team focused on applied machine learning, owning models end to end and partnering closely with product and commercial stakeholders.

Key Responsibilities

• Build and deploy ML models used in live decision-making
• Develop scorecards, forecasting models, and MVP models
• Model large-scale customer and behavioural datasets
• Collaborate with Product, Engineering, and Risk teams
• Monitor, validate, and continuously improve models in production
• Stakeholder management at senior level

Requirements

• Strong applied ML and statistical foundations
• Python and SQL experience required
• Backgrounds from fintech, banking, insurance, gambling, or other consumer behaviour-driven businesses
• Credit risk experience welcome but not essential
• Strong generalist Data Scientists considered even without FS experience
• PhD candidates with limited industry experience considered for DS level
• Curious, high-energy problem solvers with strong academic backgrounds

Not suitable for:

• IRB or purely regulatory modellers

Experience Level

• Data Scientist: 1–2 years industry experience
• Senior Data Scientist: 4+ years industry experience

Working Model

• Hybrid: Tuesday, Wednesday, Thursday in the office

Interested? Please apply below.