Senior Data Scientist

Senior Data ScientistCentral London (2 days per week in office) | Up to £85,000 + EquityIf you're the type of Data Scientist who enjoys seeing your models directly influence business decisions, this could be a great fit.This isn't a role where you'll spend months optimising models in isolation. You'll be working closely with senior leaders, owning credit risk models from development through to deployment, and helping shape how a growing fintech makes lending decisions. The team is small, collaborative, and moving quickly, so you'll have the opportunity to make a visible impact from day one.The CompanyThey are a growing fintech that is taking a different approach to consumer lending. Rather than relying solely on traditional credit scoring, they use a broader view of affordability and income data to make more personalised lending decisions.The business has already proven its model, is cash-flow positive, and is entering its next phase of growth following additional investment. You'll join a lean team where decisions are made quickly and where your work will have a genuine influence on the direction of the business.The RoleThis is a hands-on Senior Data Scientist position focused on credit risk modelling, decisioning, and model deployment.You will:Build, improve, and deploy credit risk and decisioning models.Develop scorecards and machine learning models that directly influence lending decisions.Work with Open Banking, bureau, affordability, and customer data to create robust predictive models.Own the full model lifecycle, from development and testing through to production monitoring.Contribute to model infrastructure and data pipelines within AWS.Partner closely with leadership to ensure models drive better commercial and customer outcomes.Help shape the future data science capability as the business continues to scale.Your Skills & ExperienceYou will likely have:Strong commercial experience building credit risk models, scorecards, or decisioning models.Experience applying machine learning techniques within lending, fintech, insurance, or wider financial services.A solid understanding of how models are deployed, monitored, and maintained in production.Strong Python and SQL skills.Experience working within AWS, ideally including SageMaker and Lambda.An understanding of how risk models influence lending strategies and commercial outcomes.A proactive mindset and the confidence to take ownership in a growing business.What They OfferSalary up to £85,000.Equity opportunity at an exciting stage of growth.Hybrid working with 2 days per week in their central London office.Direct access to founders and senior decision-makers.The opportunity to build rather than inherit, with genuine ownership over your work.A chance to join a profitable fintech before its next major growth phase.How to ApplyIf you're looking for a role where you'll have real ownership, influence lending strategy, and help build the next stage of a growing fintech's journey, please apply with your CV for more information.