About the role
As a Senior Data Scientist within our Payment Intelligence team, you’ll partner with Software Engineers, Product Managers, and Designers to deliver high‑value, intelligent payment solutions, own end‑to‑end model lifecycle, and drive fraud prevention at a global scale.
What You’ll Do
* Lead end‑to‑end delivery of models at scale, from initial discovery and feature engineering to production, A/B testing and continuous monitoring.
* Collaborate with product and engineering peers to turn complex data into real‑time, mission‑critical fraud prevention solutions.
* Raise the team’s collective bar through hands‑on technical leadership and knowledge sharing.
* Proactively research and integrate latest developments in ML and payer fraud prevention to drive innovation at GoCardless.
What Excites You
* Being a self‑starter who thrives on taking a vague business problem and owning the journey from the first prototype to a live, measurable solution.
* An opportunity to introduce and scale advanced architectures to solve high‑stakes fraud and payment challenges.
* Moving beyond execution to help define the technical roadmap for Payer Fraud Prevention, ensuring we leverage the best tools for the job.
* Building production‑grade ML models on a streamlined GCP and Vertex AI stack to drive fintech innovation.
What Excites Us
* You hold a degree (or PhD) in a STEM discipline or an equivalent commercial experience.
* You bring hands‑on experience with sophisticated architectures, such as deep learning, graph‑based, or sequence‑based models (experience in Fintech, Fraud Prevention, or Payments is a big plus).
* You can translate complex ML concepts into practical product solutions and communicate these ideas clearly to non‑technical peers.
* You are comfortable owning the full lifecycle, from deep‑diving analysis and feature engineering to prototyping, validation, and live A/B testing.
* You lead by example, writing clean, high‑quality code and raising the team’s technical bar through knowledge sharing and code best practices.
Salary
Base salary range: £99,200 – £148,800
Base salary ranges are based on role, job level, location, and market data. Offers will take into account level of experience, interview assessment, budgets, and parity with fellow GoCardless employees doing similar work.
Benefits
* Wellbeing – stay healthy with dedicated support and medical cover
* Work away scheme – gives you the option to work away from your country of residence for up to 90 days in any 12‑month period
* Adaptive Working – allows you to work flexibly, around your lifestyle
* Equity – all permanently employed GCs get equity to help you make a valuable contribution
* Parental leave – to suit everyone embarking on life’s great adventure
* Learning budget – lead your own development with an annual learning budget
* Time off – generous holiday allowance, + 3 annual volunteer days, + 4 annual business‑wide wellness days (GC Fridays)
Equal Opportunity
We are an equal opportunity employer. We encourage applications from all backgrounds and support reasonable adjustments to make the recruitment process accessible.
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