At a Glance
- Tasks: Own analytics for lending decisions using data to shape scorecards and pricing.
- Company: Fast-growing UK fintech lender with a dynamic team and big ambitions.
- Benefits: Competitive salary, direct access to leadership, and opportunities for growth.
- Other info: Join an experienced team and help build innovative lending solutions.
- Why this job: Make a real impact in shaping a lender's future from the ground up.
- Qualifications: Strong quantitative degree and skills in Python, SQL, and data science.
The predicted salary is between 60750 - 74250 £ 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: The OR Society
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, this company offers genuine ownership from day one, direct access to experienced leadership, and the chance to shape the future of lending. Enjoy a supportive environment that values innovation and provides the tools you need to excel in your career.
