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- Tasks: Join our Data Science team to build and monitor credit risk models.
- Company: Capital on Tap helps small businesses thrive with innovative financial solutions.
- Benefits: Enjoy private healthcare, 28 days holiday, and a dog-friendly office culture.
- Why this job: Make a real impact in a fast-paced fintech environment while developing your skills.
- Qualifications: 2-5+ years in statistical modelling with Python and SQL; credit risk experience required.
- Other info: Hybrid role with a vibrant office atmosphere and supportive team.
The predicted salary is between 43200 - 72000 £ per year.
We\’re Capital on Tap Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.
Why Join Us? We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.
This is a Hybrid role, the Data Science team work from our London Offices 3 days per week.
Data Science Team at Capital on Tap
Are you a driven and dedicated Data Scientist looking to work in a fast-moving environment and initiate meaningful change?
We are looking for a talented and experienced credit risk modeller to join the Data Science team in the continued success of our rapid growth trajectory.
What You\’ll Be Doing
- Build, implement and monitor IFRS9 models across the UK and US
- Develop predictive models, influencing our strategy across the entire customer lifecycle from marketing through to collections
- Help coach and develop colleagues in various departments on data science tools and techniques, as well as taking a direct lead on the projects in these areas
- Collaborate with business stakeholders to ensure risk analysis can be implemented seamlessly without deterioration to customer experience or complex IT builds
We\’re Looking For
- 2-5+ years experience building statistical models in Python and extracting/manipulating data in SQL
- Credit risk modelling experience including building IFRS9 models
- Commercial acumen and a robust understanding of the economics underpinning revolving credit portfolios gained through either consultancy or direct work in a financial institution
- Able to work autonomously and to display strong judgement and proactivity within a small credit team
- Experience with some of our data stack would be beneficial but this is not a requirement. We use Snowflake (SQL based), DBT, FiveTran. Python / JupyterLab. Looker. Kubernetes cluster, hosted in Azure.
Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We work hard, but we also believe in celebrating our successes and fostering a vibrant culture. Our Cardiff office is designed to be a fun and collaborative space, complete with a couple of office dogs!
Check out our benefits:
- Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year
Dog Friendly Offices
Free drinks and snacks in our offices
Want to learn more about our values, mission, and benefits? Check out our careers page here.
Interview Process
First stage: 30 minute intro and values call with Talent Partner (Video call)
Second stage: 45 minute CV overview with a member of the Data Science team (Video call)
Third stage: On site interview with our Head of FP&A, and our CFO
Other Info Check out our \’Top Tips\’ for interviewing.
• Keep updated on new job opportunities by following us on Linkedin.
Email if you have any questions.
Excited to work here? Apply! If you\’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)
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Senior Finance Data Scientist | London, UK employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Finance Data Scientist | London, UK
✨Tip Number 1
Familiarise yourself with IFRS9 models and credit risk modelling, as these are crucial for the role. Brush up on your knowledge of how these models impact the customer lifecycle, from marketing to collections.
✨Tip Number 2
Showcase your experience with Python and SQL during networking opportunities. Engage with professionals in the finance data science community to discuss your projects and gain insights into industry trends.
✨Tip Number 3
Prepare to discuss your commercial acumen and understanding of revolving credit portfolios. Be ready to provide examples of how you've applied this knowledge in previous roles or projects.
✨Tip Number 4
Research Capital on Tap's mission and values thoroughly. During interviews, align your answers with their commitment to inclusivity and innovation, demonstrating how you can contribute to their goals.
We think you need these skills to ace Senior Finance Data Scientist | London, UK
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in data science, particularly in credit risk modelling and the use of Python and SQL. Emphasise any specific projects or achievements that align with the responsibilities outlined in the job description.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for helping small businesses and your understanding of the fintech industry. Mention how your skills can contribute to Capital on Tap's mission and growth trajectory.
Showcase Technical Skills: In your application, clearly outline your technical skills, especially in building statistical models and using tools like Snowflake, DBT, and Python. Provide examples of how you've used these skills in previous roles.
Highlight Collaboration Experience: Since the role involves working with various stakeholders, include examples of past experiences where you successfully collaborated with teams or coached colleagues on data science tools and techniques.
How to prepare for a job interview at Capital on Tap
✨Understand the Company Mission
Before your interview, make sure you understand Capital on Tap's mission to help small business owners. Familiarise yourself with their products and how they impact customers. This will show your genuine interest in the company and its goals.
✨Showcase Your Technical Skills
Be prepared to discuss your experience with Python, SQL, and credit risk modelling. Bring examples of past projects where you've built statistical models or worked with data stacks similar to those used at Capital on Tap. This will demonstrate your technical proficiency and relevance to the role.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving skills and judgement in real-world scenarios. Think about how you would approach building IFRS9 models or collaborating with stakeholders. Use the STAR method (Situation, Task, Action, Result) to structure your responses.
✨Emphasise Collaboration and Coaching
Since the role involves coaching colleagues and collaborating with various departments, be ready to discuss your experience in mentoring others and working in teams. Highlight any instances where you've successfully led projects or improved processes through collaboration.
