Senior Data Scientist - Data.One

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We’re looking for a Senior Data Scientist to join our growing Data function here at ClearScore. Data plays a central role in what we do, from using insights derived from Open Banking and credit bureau data to help users to improve their credit scores and their finances, to helping our partners to manage credit risk and offer the best products to our users.

ClearScore has an amazing analytical community which includes Data Analysts, Scientists and Engineers. The community works collaboratively to ensure a landscape in which team members can develop their full potential and deliver maximum business impact. Working within D·One, our Open Banking Services business unit, you will be responsible for building products to help our lender clients derive maximum value from the Open Banking data we provide them.

• Your primary focus will be to help our clients understand the risk-splitting power of Open Banking data, and present this in an easy-to-understand and practically implementable way.
• Maintenance of our existing data-science backed products and the development of new ones.
• Contributing to the continuous improvement of our categorisation engine through developing new techniques to identify improvement areas and developing AI/ML driven tagging methodologies.
• Play a key role in our sales process, working with our Operations and Sales leads to ensure prospective clients can easily test our data and find value in it prior to going live with our service.
• Collaborating with our engineering and product teams to design and implement product features for our Open Banking Services platform.
• Engaging with internal and external stakeholders, understanding their business needs and providing data-driven solutions. Build strong relationships with lending partners to ensure alignment with industry best practices.

• Several years of experience in the credit risk space. Demonstrable experience of identifying risk-splitting power in data and implementing this to improve risk models.
• Strong SQL and Python skills.
• Worked within a cloud environment, ideally with Databricks (or BigQuery, Snowflake, Redshift).
• Strong understanding of multiple Machine Learning (ML) techniques and their suitability under various scenarios.
• Good knowledge and experience related to the end-to-end ML model building lifecycle, including feature engineering and model deployment.
• You are excited about the power of data in decisioning and how it can empower stakeholders and clients.
• You enjoy helping non-analysts to put data at the heart of what they do – ensuring your key stakeholders are informed and comfortable having conversations about our data and the products we’re creating.
• Any experience working with Open Banking data would be a bonus.

ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions. Since October 2016 we have helped 1.8 million users take out a new credit card or loan.

We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do.

D·One was created in 2022 as a result of ClearScore’s acquisition of Money Dashboard — a company with best in class open banking and categorisation capabilities. The D·One mission exists to provide open banking data to lending partners, market researchers including hedge funds and ClearScore. Our primary goal is enabling lenders to adopt open banking by delivering a lender-specific open banking service with best-in-class credit analytics.

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover - including mental health support through Bupa
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog-friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras
• Free sports and social clubs
• Continued investment into learning and development
• Leadership-led training
• In-house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock-watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Levels 1-5 require a minimum 2 days per week in-office; Level 6 and above require a minimum 3 days per week in-office.

We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are coordinated to maximise team interactions and learning opportunities.

• Flexibility to manage your work and life
• Dedicated in-office days for team building and collaborative projects
• Office facilities designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule

Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.

We are an equal opportunity employer and celebrate diversity. Please see our People Policy Notice for more details.

London, England, United Kingdom