Head of Data Science

£120,000 - £140,000LondonThis is an exciting opportunity to join a highly innovative fintech at a pivotal stage of growth. As Head of Data Science, you will take ownership of a business-critical decisioning function, working on predictive machine learning models, AI-powered solutions, and customer-facing recommendation systems that directly influence commercial performance. With profitability on the horizon and significant investment in AI across the business, this role offers genuine ownership, visibility, and impact. THE COMPANYThis fast-growing fintech is transforming the customer finance journey. Operating in a highly data-driven environment, the business has embedded AI and automation across multiple functions and is recognised for its innovative approach to leveraging machine learning and emerging technologies.With a collaborative team structure and a strong product focus, the organisation empowers individuals to take ownership and contribute across a broad range of initiatives. This role sits within a core decisioning team and offers the opportunity to shape data science strategy while remaining hands-on with model development and deployment. THE ROLEAs Head of Data Science, you will lead the strategic direction of data science within the decisioning function while remaining closely involved in technical delivery.Key responsibilities include:

• Developing and enhancing predictive machine learning models across customer decisioning and recommendations
• Owning scorecard development, affordability modelling, and decisioning frameworks
• Driving innovation through the application of open banking data and advanced categorisation techniques
• Building and improving AI-powered solutions, including LLM-based agents and automated workflows
• Collaborating with Credit, Fraud, Engineering, and Product teams to deliver high-impact data science initiatives
• Supporting model deployment and ensuring solutions are delivered into production effectively
• Identifying opportunities to apply advanced analytics and machine learning to improve business performance

• Strong commercial experience building and deploying predictive machine learning models
• Experience developing decisioning, recommendation, risk, or customer-focused models within a B2C environment
• Practical experience working with Python, SQL, and modern cloud platforms such as AWS
• Experience working with data platforms and analytics tooling such as Snowflake and similar technologies
• Understanding of model deployment processes
• Exposure to LLMs, AI agents, agentic workflows, or generative AI applications is highly desirable
• Ability to work effectively in a fast-paced and evolving business environment
• Strong stakeholder management and communication skills
• Experience in consumer finance is beneficial but not essential

• Base salary of £120,000 - £140,000
• Equity package
• Hybrid working model (3 days per week in the office)
• Opportunity to work with cutting-edge AI and machine learning technologies
• Significant ownership and influence within a growing business
• Collaborative and highly innovative team environment