Data Scientist - Credit Risk, Python, SQL, Machine Learning, Risk, Modelling, Quantitative, Fintech - UK, Remote (with option to collaborate in an office) - £65,000 Base - £85,000 Base
My client, a fast-growing fintech backed by leading venture capital investors, is seeking a Data Scientist / Credit Risk Analyst to join their global team (Remote work), reinventing how risk is managed in payments by unlocking the value of the vast data available to payments companies. Payment Service Providers (PSPs) face significant financial exposure if merchants fail to meet their obligations (e.g. chargebacks). This fintech helps PSPs manage that risk through two products, Risk Protect Insurance and Risk Monitor. You will help develop and apply risk models that power these products. The role will primarily focus on Protect (~80%), supporting underwriting, probability of default modelling, and insurance pricing, with some work on Monitor (~20%).
To be successful in this role you will need:
* Proven experience in a quantitative role (Data Scientist / credit risk / fraud, lending analytics, or similar)
* Experience in a Credit, Lending, Payments, Banking or Consulting would be highly beneficial
* Strong Python and SQL skills
* Experience building or applying supervised ML models (e.g. logistic regression, gradient boosting would be highly beneficial)
* Exposure to portfolio risk analysis or underwriting would be a nice to have
* Solid understanding of credit risk modelling principles
* Comfortable working in a fast-moving startup environment and solving new data problems
This is an excellent opportunity to join an exciting organisation, with a unique product proposition, working on cutting edge technology.
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