At a Glance
- Tasks: Lead validation of credit risk models and ensure their effectiveness in a fast-growing fintech.
- Company: Dynamic fintech with a strong focus on data-driven lending and innovation.
- Benefits: Competitive salary, hybrid working, pension scheme, and comprehensive benefits.
- Other info: Join a high-performing team with clear progression opportunities in a thriving environment.
- Why this job: Make a real impact on credit risk practices while working with advanced machine learning models.
- Qualifications: Experience in credit risk model validation and strong Python skills.
The predicted salary is between 63000 - 77000 £ per year.
Are you a credit risk modelling specialist looking to move into a high-impact validation role within a fast-growing fintech? This is an opportunity to join a well-established business where data science and automated decisioning sit at the heart of the lending proposition. You'll play a key role in ensuring credit models remain robust, scalable and effective as the business continues to expand internationally.
THE COMPANY
This fintech organisation has a strong track record of growth, profitability and innovation. They have built a highly data-driven lending platform powered by machine learning and automated credit decisioning. This role offers the opportunity to influence model governance and validation standards within a business where analytical insights directly shape commercial outcomes.
THE ROLE
As a Senior Decision Scientist within the Model Validation team, you will be responsible for independently reviewing and challenging credit risk and decisioning models across the lending lifecycle. Key responsibilities include:
- Leading end-to-end validation of credit risk, machine learning and decisioning models
- Assessing model methodology, assumptions, data quality, feature engineering and target definitions
- Evaluating model performance, calibration, stability and robustness across different portfolios and customer segments
- Designing and maintaining model calibration and risk segmentation frameworks
- Developing monitoring frameworks covering model performance, decision outcomes, portfolio trends and data quality
- Identifying and investigating model deterioration, implementation issues and portfolio performance changes
- Defining validation standards, controls and acceptance criteria for model changes and new developments
- Collaborating closely with Data Science, Risk and Analytics teams to ensure models remain fit for purpose
This is an excellent opportunity to gain exposure to advanced machine learning models, automated underwriting and modern fintech credit risk practices while working in a highly visible role.
YOUR SKILLS AND EXPERIENCE
- Strong commercial experience in credit risk model validation
- Experience validating credit scoring, probability of default or related risk models
- Background within banking, lending, fintech or consulting environments
- Knowledge of consumer lending portfolios
- Experience assessing model performance, calibration and monitoring frameworks
- Strong Python skills for model analysis and validation work
- Excellent stakeholder management and communication skills
- Exposure to IFRS 9 modelling would be beneficial but is not essential
- Experience working with machine learning models within a regulated environment would be advantageous
SALARY AND BENEFITS
- Base salary of £60,000 - £80,000 depending on experience
- Hybrid working model with 3 days per week in the London office
- Pension scheme
- Comprehensive benefits package
- Opportunity to work with a high-performing analytics and risk team
- Clear progression opportunities within a growing data and decision science function
Senior Decision Scientist - Validation in London employer: Harnham - Data and Analytics Recruitment
As an AI Automation Lead at this investment-focused organisation in London, you will thrive in a collaborative and innovative environment that prioritises technology and data. The company offers a competitive salary, comprehensive benefits, and the unique opportunity to build impactful AI solutions from the ground up, all while fostering professional growth and cross-functional teamwork.
Contact Details:
Harnham - Data and Analytics Recruitment Recruitment Team
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