Data Scientist - Credit Risk

Hello! We’re Teya. Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance. At Teya we believe small, local businesses are the lifeblood of our communities. We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street. We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters. We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us. Become a part of our story. We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission: We’re looking for a Data Scientist to join the Credit team at Teya to support the development of the credit risk and pricing models that underpin our lending products. This role will contribute directly to the delivery of our new lending products to small businesses across multiple geographies. You will work on modelling initiatives across the full model lifecycle, from data exploration and feature development through to model deployment and performance monitoring. You will use your strong quantitative background to ensure models are developed in a statistically sound way. Collaborating with senior data scientists and stakeholders across Credit Strategy, Product, Engineering and Data Engineering, you will ensure models are well-understood and deliver real business value. This is an excellent opportunity for someone early in their career who has hands-on credit modelling experience and wants to deepen their expertise within a fast-growing fintech.

Responsibilities:

• Problem solving: Support the translation of credit business problems into analytical and modelling tasks, contributing ideas and exploring alternative approaches.
• Model development: Develop and enhance components of credit risk models and risk-based pricing frameworks, under guidance from senior team members.
• Model deployment: Collaborate with Data Engineering to assist the deployment of models onto the ML Platform and integration into the credit decisioning system.
• Model monitoring: Help monitor model performance, investigate performance changes or drift, and contribute to model improvements over time.
• Data exploration: Explore internal and external data sources, engineer features, and assess their predictive value for credit modelling.
• Collaboration: Work closely with Product, Engineering, Data Engineering and Credit Strategy to ensure modelling work supports operational and commercial goals.

Requirements:

• Hands-on experience of credit risk modelling, ideally in SME lending for a fintech / scale-up etc.
• Degree in a quantitative field such as Mathematics, Statistics, Engineering or related discipline.
• Strong applied quantitative skills, including use of machine learning techniques.
• Proficiency in Python and SQL, with experience working with real-world datasets.
• Ability to explain analytical work clearly to both technical and non-technical stakeholders.
• Curious, pragmatic, and commercially minded, with a desire to understand how models drive business outcomes.

Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.