Senior Data Scientist - Retail Banking

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Senior Data Scientist – Retail Banking

Location: Manchester or Leeds 

Fractal is a strategic AI partner to Fortune 500 companies with a vision to power every human decision in the enterprise. Fractal is building a world where individual choices, freedom, and diversity are the greatest assets. An ecosystem where human imagination is at the heart of every decision. Where no possibility is written off, only challenged to get better. We believe that a trueFractaliteis the one who empowers imagination with intelligence. Fractal has been featured as a Great Place to Work by The Economic Times in partnership with the Great Place to Work® Institute and recognized as a ‘Cool Vendor’ and a ‘Vendor to Watch’ by Gartner.

Role Overview

As the client analytics team evolves, we are looking to onboard commercially savvy, independent Data Scientists to support and accelerate a predefined analytics backlog. The role requires strong technical capability, commercial acumen, and the ability tooperateautonomously while driving measurable businessimpact.definedanalytics backlog. The role requires strong technical capability, commercial acumen, and the ability tooperateautonomously while driving measurable business impact.

The Analyst/Data Scientist will design and deliver analytical solutions that help grow wallet share, increase market share, and improve customer engagement. They will also lead the creation ofselfservereporting and dashboards that enable stakeholders to track performance and keydrivers.servereporting and dashboards that enable stakeholders to track performance and key drivers.

Key Responsibilities

Develop insights and recommendations toincrease wallet spendacross key customer segments.

Design and deliver initiatives aimed atgrowing market share, including tracking performance and conductingrootcauseanalysis.cause analysis.

Build aselfservedashboardtomonitormarket share, performance KPIs, and related contributingfactors.servedashboard

Own endtoend delivery of analysis with minimal oversight—problem structuring, data extraction, modelling, and presentationendtoend delivery of analysis with minimal oversight—problem structuring, data extraction, modelling, and presentation.

Conduct data mining, manipulation, and validation using robust reconciliation practices.

Identifyand select relevant data pointsrequiredforaccurateand meaningful analysis.

Build customer segmentations/profiles to inform commercial strategies and product decisions.

Perform conversion and funnel analysis to understand customer behaviour and optimise interventions.

Create businessready visualisations and structured reporting for seniorstakeholders.readyvisualisations and structured reporting for senior stakeholders.

Automate repetitive tasks, streamline data workflows, and improve analytical efficiency.

Design and evaluate marketing campaign structures—targeting, proposition, test design, measurement based on statistical significance.

Present insights confidently and manage stakeholder expectations through clear, proactive communication.

Deliverhighqualityoutputs at pace with minimal rework,quality outputs at pace with minimal rework.

Skills & Experience Required

Technical & Analytical Skills

Strong data mining, wrangling, and manipulation experience (SQL, Python, or equivalent).

High competence in validation checks, reconciliations, and data quality assurance.

Advanced data visualisation capability (Power BI, Tableau, or similar).

Experience building dashboards and business reporting tools.

Familiarity with optimisation and automation techniques in analytics workflows.

Commercial & Domain Experience

Debit payments or current account experience within UK Financial Services(desired).

Understanding ofbanking profitability, product economics, and business case modelling.

Background incustomer profiling, segmentation, and behavioural analytics.

Experience designing and evaluating commercial or marketing campaigns.

Strong understanding of conversion metrics and commercial performance levers.

Behavioural Competencies

Highly independent and proactive, able to manage workload and prioritisation autonomously.

Strong communicationand presentation skills with the ability to influence stakeholders.

Delivers consistently to a high standard with minimal rework.

Comfortable working in afastpaced, outcomesdriven environment.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

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