Data Scientist, Credit Risk - FinTech

Want to build credit risk models that directly influence lending decisions? Looking for broader ownership than a traditional modelling role offers? Excited by the opportunity to work across modelling, deployment and decision science? A growing UK FinTech is hiring a Data Scientist to join its Decision Science team. The business has developed an innovative lending model that provides customers with a more transparent and accessible alternative to traditional credit products. With around 100 employees, a strong culture and a collaborative environment, this is an opportunity to have direct influence on how lending decisions are made across the business. This role focuses on developing and enhancing credit risk models, with a particular emphasis on scorecards, affordability and decisioning. You'll work across the entire model lifecycle, giving you far greater ownership and commercial exposure than a typical modelling position. Key Responsibilities Develop and improve credit risk scorecards and lending models Build solutions using Open Banking and bureau data Enhance model performance through feature engineering and analysis Support affordability modelling and lending decision optimisation Deploy and monitor models across production environments Partner with underwriting, finance and credit strategy teams Contribute to IFRS9 and wider risk modelling initiatives Working Model: Hybrid, 2 days per week in Central London office #J-18808-Ljbffr