Credit Risk - Data Scientist

Data Scientist — Credit Risk & Decisioning | London

An institutionally backed UK fintech lender with big growth ambitions seeks a Data Scientist-Credit Risk to own the analytics behind how it lends. You'll turn application, credit bureau and Open Banking data into the scorecards, policies and pricing that decide who gets lent to, at what price, and how the book performs.

You'll join at an early stage but alongside an experienced team: leadership have built a UK challenger lender and held senior roles at major UK banks. It's a real chance to help shape a lender as it grows.

What you'll do:

• Build, test and monitor risk policies, scorecards and pricing rules (including affordability and fraud), quantifying impact on approvals, losses and profitability
• Track portfolio performance through vintage, cohort and early-warning analysis
• Build reusable analytical pipelines and tooling in Python and SQL
• Support pricing, affordability and loss-forecasting, and build dashboards for internal stakeholders and funders

What we're looking for:

• A strong degree (2:1+) in a quantitative discipline (Maths, Stats, Physics, Engineering, CS or quantitative Economics)
• Python and SQL, plus solid grounding in statistical and ML techniques
• Experience in credit risk, data science or another quantitative role — we care more about ability than years. Financial services / lending exposure is a plus; bureau and Open Banking familiarity is a bonus, not a must

Genuine ownership from day one, direct access to an experienced leadership team, and the chance to help build a lending business from the ground up.