Founding Data Scientist - Lending FinTech Start-up

Want to shape the future of responsible lending at an early-stage fintech?Enjoy owning credit models from development through to production?Looking for the autonomy to influence lending strategy rather than just build models?A fintech start-up that's rethinking personal lending through salary-linked loans, creating a fairer, more flexible borrowing experience centred around affordability rather than traditional credit scoring.With a live product, positive cash flow and fresh funding on the horizon, they're entering an exciting growth phase and are looking for a Senior Data Scientist to play a pivotal role in scaling their credit decisioning capability.The RoleYou'll join a small, high-impact team reporting directly to the VP of Credit, taking ownership of the company's credit risk modelling and decisioning capability.Responsibilities:Building and improving credit risk and decisioning models using Open Banking, bureau and internal lending dataDeveloping scorecards and machine learning models to support underwriting decisionsDeploying, monitoring and maintaining models within AWS production environmentsAnalysing portfolio performance, arrears, defaults and customer behaviourWorking closely with Product, Engineering and Risk to operationalise models and improve lending strategiesYou'll ideally bring:Commercial experience building credit risk or decisioning models within lending (insurance backgrounds may also be considered)Strong experience with scorecards, logistic regression and/or machine learning modelsGood understanding of how models influence real lending decisions and commercial outcomesExperience deploying and maintaining models within production environmentsStrong Python, SQL and AWS experience (particularly SageMaker and Lambda)Comfortable working in a fast-moving, hands-on environment with high ownershipExcellent communication skills with both technical and business stakeholdersWhat's on Offer?Salary up to £70,000Founding equityHybrid working (2 days per week in Central London)Apply below if interested.