Senior Data Scientist

As a Senior Data Scientist, you will:

• Develop and enhance credit risk and decisioning models using customer, credit bureau, transactional, and internal datasets.
• Analyse portfolio performance across originations, arrears, defaults, recoveries, and customer behaviour.
• Identify opportunities to improve underwriting strategies and customer decisioning.
• Produce actionable insights from large, complex, and sometimes incomplete datasets.
• Build monitoring frameworks and reporting to track model and portfolio performance.
• Support the deployment and optimisation of analytical solutions within production environments.
• Investigate data quality issues and drive improvements across reporting and decisioning processes.
• Work closely with risk, product, engineering, and commercial stakeholders to deliver data-driven solutions.
• Contribute to model governance, validation, and documentation activities.

• Strong Python experience across analytics, modelling, and data processing.
• Hands-on experience working within AWS environments, including services such as Lambda, EC2, SageMaker, RDS, and CloudWatch.
• Proven track record developing and validating predictive models, including logistic regression and machine learning techniques.
• Strong understanding of consumer credit risk, affordability assessment, and lending decisioning.
• Excellent analytical and problem-solving skills with a rigorous attention to detail.
• Experience translating complex analysis into clear recommendations for business stakeholders.
• A proactive, ownership-driven mindset and ability to thrive in a fast-paced environment.

• Competitive salary
• Be part of a fast-growing, data-led business.
• Work on high-impact projects with direct business visibility.
• Influence lending decisions and strategic direction.
• Collaborate with experienced professionals across risk, product, and technology.
• Enjoy significant autonomy and ownership in a highly collaborative environment.