Lead ML / Data Scientist in London

Why We Exist

The world is moving away from rigid ownership models in favour of more flexible, affordable access. Our mission is to transform how technology is bought, used and reused — creating better outcomes for customers, brands and the planet.

What We've Built

Raylo is the subscription infrastructure that enables leading electronics brands, including PlayStation, HP and Dyson, to move from one-off device sales to recurring subscription programmes that increase conversion, deepen loyalty and capture more lifetime value. Behind that sits an AI-powered operating system that executes and manages device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that enables brands to run subscription programmes at scale.

Brands can unlock a powerful new growth engine with Raylo across embedded checkout. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.

At Raylo, AI is woven into how we work every day. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds. We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this? AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement.

We hire to a high bar. You'll work with people who push you, raise your game and expect you to do the same.

Our Core Values:

• Be deeply curious – We thrive on innovation through diverse approaches, views, and people.
• Walk in your customer's shoes – To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.

What to Expect

We're looking for an ambitious Lead Data Scientist to join Raylo and lead our advanced model building. Raylo has built a strong data foundation over the past five years, with robust analytics and data engineering powering commercial decision-making across the business. In this role, you'll take that foundation to the next level by designing, building and deploying predictive models that directly influence some of the most important drivers of Raylo's growth - from credit risk and customer retention to personalised recommendations.

You'll become Raylo's technical and strategic leader on:

• The cutting edge of ML and AI model development, applying the very best of what's possible to Raylo's hardest problems.
• Collaborating with teams across the business, to identify high impact opportunities for machine learning and advanced analytics.
• Taking these projects end-to-end from idea through to production deployment and monitoring.
• Redesigning our model building, deployment and monitoring process using agentic architecture and leveraging the latest LLM models.

You'll transform what's possible for a data science team, shaping and growing Raylo's data science function as we rapidly scale over the next five years. Raylo is a rapidly scaling, profitable company with ambitious international plans, and data sits at the core of how we make decisions and build our products. As a Lead Data Scientist, your work will have a huge impact both on Raylo as it goes through transformative growth and how the data function at Raylo wins in the world of AI powered agentic infrastructure. It's a rare opportunity to build best-in-class models using cutting edge technology, while defining the strategic vision for a category-defining business.

What You'll Do

Reporting to the VP of Strategy & Analytics, you'll define and lead Raylo's data science function, deploying cutting edge AI and ML to solve Raylo's hardest problems. You'll own end-to-end design, build and deployment of production-grade machine learning models - from credit risk and churn prediction to recommendation systems. You'll partner closely with teams across product, engineering, risk, operations and commercial to identify high-impact opportunities for advanced modelling and take them from ideation through to action.

You'll combine deep technical expertise with strong communication skills, translating complex modelling approaches into clear commercial benefits. Starting as a hands-on technical leader, you'll own and shape the data science roadmap at Raylo, defining how AI is used to transform the practice of data science and build the function from the ground up. Your work will directly influence key outcomes for Raylo — from managing risk and improving customer retention to unlocking new growth opportunities as the business scales internationally.

You'll Succeed With:

• A proven track record with 7+ years of experience in data science and predictive modelling.
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Using your technical skills to build state of the art ML models and deploy them in production.
• The desire to build, coach and motivate a broader function while continuing to deliver on high quality IC projects.
• Collaborating in a fast-paced environment across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data-driven decision-making and educate others.
• Taking responsibility and ownership for the work the entire area - if you're not getting it done, then no one is.

Opportunities & Benefits:

• Fast-track your career – 40% of our employees progress every review cycle (bi-annually).
• Exclusive Raylo device lease for employees.
• Private Medical Insurance.
• Stock options for all employees.
• L&D budget to support the skills you value.
• Hybrid working model.
• 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you.
• Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months.

As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process.

Diversity & Inclusion at Raylo: At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive.