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- Tasks: Build and improve data models for credit risk and portfolio performance.
- Company: GOCAP, a pioneering lender reshaping the market with innovative products.
- Benefits: Competitive salary, growth opportunities, and a chance to make a real impact.
- Other info: Exciting growth phase with opportunities for personal and professional development.
- Why this job: Join a dynamic team at the heart of data-driven decision-making in finance.
- Qualifications: Experience in fintech or credit risk, with strong Python and SQL skills.
The predicted salary is between 50000 - 70000 £ per year.
Company Description
GOCAP is building a better kind of lender. We have created a salary-linked consumer loan designed to align repayments more closely with real affordability. It is a differentiated product, a genuinely interesting credit proposition, and we believe it has the potential to reshape part of the market. We are now entering an exciting growth phase. The business is live, performing strongly, and moving towards significant scale. As we grow, data science will sit at the heart of how we underwrite, price, monitor risk and improve performance. We are looking for a sharp, hands-on Data Scientist to help drive that forward. You will be expected to deliver quickly, iterate based on evidence, and continuously improve decisioning as new data becomes available.
What you'll do
- Build and improve models across credit risk, pricing and portfolio performance
- Analyse originations, arrears, defaults, cures and customer behaviour
- Support underwriting strategy with data-driven insights and segmentation
- Work with bureau, open banking and manage internal data pipelines
- Produce clear, decision-ready insights from imperfect data
- Support and refine credit strategy through analysis and segmentation
- Build monitoring and reporting that tracks real performance
- Help strengthen model governance, validation and documentation
- Work closely with risk, product and engineering to turn analysis into action
What we're looking for
- Experience in lending, fintech, banking or credit risk
- Advanced Python and SQL skills
- Strong analytical and statistical modelling skills
- High ownership and attention to detail
- Experience with underwriting, scorecards, pricing or portfolio analytics
- Experience working with real-world datasets
- Commercial judgement and clear communication
Preferred
- Familiarity with credit decisioning using bureau and open banking data
- Experience in building Machine Learning models which convert into decision-ready outputs
- Ability to work with unstructured and incomplete datasets
- Self-motivated and solutions oriented, willing to challenge senior stakeholders.
- Comfortable having your work challenged and defending your logic.
- Bachelor’s or Master’s degree in Data Science, Statistics or a related field.
We are not looking to outsource this role to external recruiters at this stage.
Data Scientist - Credit Risk in City of London employer: GOCAP
Contact Detail:
GOCAP Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Data Scientist - Credit Risk in City of London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend meetups, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Show off your skills! Create a portfolio showcasing your data science projects, especially those related to credit risk or lending. This will give potential employers a taste of what you can do and set you apart from the crowd.
✨Tip Number 3
Prepare for interviews by brushing up on your technical skills and understanding the latest trends in fintech and credit risk. Be ready to discuss how you can apply your knowledge to help GOCAP grow and innovate.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in being part of our exciting journey.
We think you need these skills to ace Data Scientist - Credit Risk in City of London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Data Scientist in Credit Risk. Highlight your experience in lending, fintech, and any relevant projects that showcase your analytical skills. We want to see how you can contribute to our mission!
Showcase Your Skills: Don’t just list your skills; demonstrate them! Include specific examples of how you've used Python and SQL in past roles, especially in credit risk or data analysis. This is your chance to shine and show us what you can do!
Craft a Compelling Cover Letter: Your cover letter should tell us why you're excited about this role and how your background aligns with our goals at GOCAP. Be genuine and let your personality come through – we love to see passion for data science and credit risk!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures it gets into the right hands. Plus, it shows us you’re keen on joining our team!
How to prepare for a job interview at GOCAP
✨Know Your Data Science Stuff
Make sure you brush up on your Python and SQL skills before the interview. Be ready to discuss your experience with credit risk models and how you've used data to drive decisions in previous roles. GOCAP is looking for someone who can hit the ground running, so show them you’ve got the technical chops!
✨Understand the Business
Familiarise yourself with GOCAP's unique approach to lending and their salary-linked consumer loan product. Think about how your skills can contribute to their mission of reshaping the market. Being able to connect your expertise to their business model will impress the interviewers.
✨Prepare for Real-World Scenarios
Expect to be asked about how you would handle real-world datasets, especially if they’re messy or incomplete. Have examples ready that showcase your problem-solving skills and your ability to derive insights from imperfect data. This will demonstrate your hands-on experience and analytical mindset.
✨Communicate Clearly
GOCAP values clear communication, so practice explaining complex concepts in simple terms. Be prepared to defend your logic and decisions during the interview. Show them that you can translate data-driven insights into actionable strategies that align with their goals.