About WayflyerToday's small businesses need a capital provider that keeps pace with their growth ambitions.
Increase your chances of reaching the interview stage by reading the complete job description and applying promptly.
Traditional financing options are slow, cumbersome and often out of reach.
That's why we built Wayflyer.Our technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours.
To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P.
Morgan.You'll be collaborating with ambitious colleagues from around the world.
We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.The challengeWayflyer has deployed over $6bn in funding and we're not slowing down.
Every credit decision we make is a bet on a business's real trajectory, and the models behind those bets need to get sharper and faster than they were yesterday.
We're building the next generation of commercial credit, with AI running through every layer of the stack.What you'll actually doYou'll own the full lifecycle of our credit risk models.
We treat Machine Learning as a branch of software engineering here, so you'll write production-grade code, not just notebooks.Lead the end-to-end build of credit risk models, treating ML as software engineering so everything you ship is fast, reproducible and robust.Design modelling frameworks for decisioning, pricing and fraud that move company-wide P&L, not just a dashboard metric.Build credit policies and lending strategies that expand our addressable market safely, pushing conversion and profitability up together.Scientific integrity is non-negotiable.
Model improvements need to be statistically significant, with no data leakage and no bias hiding in the numbers.
You'll turn technical findings into business trade-offs leadership can act on, mapping ROC AUC straight to revenue and loss, and you'll set the bar for code quality: reviewing, mentoring, and contributing to the libraries the whole team relies on.You'll stand out if you've worked on highly automated lending, price sensitivity modelling, or Customer Lifetime Value.What this role could turn intoSenior Data Scientists here tend to grow into Staff or leadership roles with broader influence over risk strategy and team direction.
We're building a quantitative risk function that genuinely drives P&L.
The people who shape it early will have significant influence over where it goes.Who thrives hereGets restless when a model is "good enough" but not great4+ years building and maintaining production-grade ML systemsCares as much about code quality as the statistics behind itStrong grip on predictive modeling and credit risk concepts (IV, ROC AUC, SHAP, PD, EAD, LGD, EL)As comfortable in a modern monorepo (Python, SQL, Snowflake, dbt, and the rest of the stack) as a software engineer would beWould rather walk a commercial stakeholder through a ROC AUC curve and make them care about the revenue impact than hide behind jargonUses AI as an accelerant, not a crutchComfortable owning outcomes, not just ticketsWe hire for rangeYou'll need real depth on credit risk concepts (PD, EAD, LGD), a solid grasp of modelling techniques like IV and SHAP, and comfort working across Snowflake, dbt, ZenML, Dagster and Weights & Biases.
Experience in automated lending, price sensitivity modelling or CLV is a strong plus.Location and working policyDublin HQ or London, hybrid.The good stuff25 days off, plus public holidays.
Private healthcare, life insurance, and a pension.
Equity, because you should own a piece of what you're building.
Generous parental leave for primary and secondary caregivers.
60 days a year to work abroad from wherever you want.By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. xsabvtc
Such processing is based on the need to take steps prior to entering into a potential employment agreement.
To learn more about how we handle your personal data, you can contact our privacy team at or review our privacy notice at .LocationLondon Employment TypeFull timeLocation TypeHybridDepartmentTechnologyData
Senior Credit Risk Data Scientist in Whitehall employer: Wayflyer
Wayflyer is an exceptional employer that fosters a dynamic and collaborative work culture, where employees are empowered to shape their roles and contribute to the company's rapid growth. With a strong focus on professional development, employees have the opportunity to build meaningful relationships with brokers while enjoying generous benefits such as private healthcare, equity options, and flexible working arrangements in the vibrant city of London. Join us to be part of a forward-thinking team that values innovation and ambition.
