Senior Data Scientist - UK Cards in London

We are excited to be hiring a new Senior Data Scientist to join our Cards Data Science team. Data Science sits at the heart of Lendable’s competitive advantage. Our proprietary machine learning models power underwriting, pricing, credit strategy and customer management decisions across millions of lending decisions.

This role will focus on our UK credit cards business, working across both acquisitions and customer management. You’ll work with large-scale, high-dimensional datasets to develop models and strategies that directly influence growth, risk and profitability. The role combines deep quantitative work with product and commercial thinking. Successful candidates are excited by autonomy, solving difficult problems, moving quickly, experimenting rigorously and influencing strategy through data. We value intellectual curiosity and an interest in emerging machine learning techniques and their practical application.

As you grow in the role, there is significant flexibility to shape your trajectory — whether toward advanced modelling and research, commercial optimisation and strategy, or broader technical ownership.

The Data Science team develops proprietary behavioural and underwriting models using state-of-the-art machine learning techniques and a diverse range of data sources. Data scientists work closely with product, engineering, credit risk and commercial teams to identify opportunities, translate business problems into quantitative frameworks, and deliver solutions that materially improve business performance. We operate with a high degree of ownership and autonomy. Data scientists are responsible not only for developing models, but also for deploying, monitoring and continuously improving them in production. We value rigorous thinking, intellectual curiosity and fast execution. Research is important, but practical impact matters equally.

• Develop and deploy machine learning models that improve underwriting, pricing and customer management decisions.
• Work with large and complex datasets to generate insights that influence credit and commercial strategy.
• Take ownership of models and decision systems throughout their lifecycle, from research and development through production monitoring and iteration.
• Collaborate with stakeholders across the business to translate ambiguous problems into measurable outcomes.
• Contribute to the team’s technical knowledge through idea sharing, experimentation and continuous learning.

• Strong programming skills in Python and SQL.
• Understanding of statistics, machine learning and quantitative problem solving.
• Ability to approach ambiguous problems with structure and pragmatism.
• Curious, fast-moving and highly collaborative mindset.

• Interest in advanced machine learning techniques and applied research.
• Experience in credit risk, lending or broader financial services.
• Interest in machine learning infrastructure and optimisation.

We’re not corporate, so we try our best to get things moving as quickly as possible. For this role, we’d expect:

• Recruiter call
• Take Home Task
• Technical Interview
• Case study
• Final interview

Lendable is on a mission to build the world's best technology to help people get credit and save money. Founded in 2014, profitable since 2017, unicorn in 2021, £3.5bn valuation in 2022, backed by Balderton, Goldman Sachs and Ontario Teachers' Pension Plan. Loved by customers & employees with top reviews on Glassdoor and Trustpilot.

So far, we’ve rebuilt the big three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do. We’re going after the two biggest Western markets (UK and US) where trillions are held by big banks with dated systems and painful processes.

• The opportunity to scale up one of the world’s most successful fintech companies.
• Best-in-class compensation, including equity.
• You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas.
• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
• We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance.
• We're an equal opportunity employer and are looking to make Lendable the most inclusive and open workspace in London.