At a Glance
- Tasks: Analyse data to shape lending decisions and build impactful scorecards.
- Company: Fast-growing fintech lender with a dynamic team and ambitious goals.
- Benefits: Competitive salary, mentorship from industry leaders, and opportunities for growth.
- Other info: Join an innovative environment with real ownership from day one.
- Why this job: Be part of a pioneering team and influence the future of lending.
- Qualifications: Strong analytical skills in Python, SQL, and a quantitative degree.
The predicted salary is between 63000 - 77000 £ per year.
An institutionally backed UK fintech lender with big growth ambitions seeks a Data Scientist-Credit Risk to own the analytics behind how it lends. You'll turn application, credit bureau and Open Banking data into the scorecards, policies and pricing that decide who gets lent to, at what price, and how the book performs.
You'll join at an early stage but alongside an experienced team: leadership have built a UK challenger lender and held senior roles at major UK banks. It's a real chance to help shape a lender as it grows.
What you’ll do:
- Build, test and monitor risk policies, scorecards and pricing rules (including affordability and fraud), quantifying impact on approvals, losses and profitability
- Track portfolio performance through vintage, cohort and early-warning analysis
- Build reusable analytical pipelines and tooling in Python and SQL
- Support pricing, affordability and loss-forecasting, and build dashboards for internal stakeholders and funders
What we’re looking for:
- A strong degree (2:1+) in a quantitative discipline (Maths, Stats, Physics, Engineering, CS or quantitative Economics)
- Python and SQL, plus solid grounding in statistical and ML techniques
- Experience in credit risk, data science or another quantitative role — we care more about ability than years. Financial services / lending exposure is a plus; bureau and Open Banking familiarity is a bonus, not a must
- Genuine ownership from day one, direct access to an experienced leadership team, and the chance to help build a lending business from the ground up.
Credit Risk - Data Scientist employer: Human Capital Solutions
Join a dynamic UK fintech lender in London, where you'll have the opportunity to make a significant impact as a Credit Risk Data Scientist. With a strong focus on employee growth and a collaborative work culture, you'll benefit from direct access to experienced leadership and the chance to shape innovative lending solutions. This role offers a unique blend of autonomy and support, making it an excellent place for those seeking meaningful and rewarding employment in the financial services sector.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk - Data Scientist
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Human Capital Solutions. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk - Data Scientist
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Human Capital Solutions.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Human Capital Solutions's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Human Capital Solutions
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Human Capital Solutions.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Human Capital Solutions will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Human Capital Solutions employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
