What you will be doing
as the Collections Data Scientist
In this pivotal role, you’ll lead deep-dive analysis into customer portfolio trends, build predictive models, and support the transition to our enterprise data lake. Your insights will directly influence operational improvements, policy decisions, and long-term financial resilience.
You will also:
1. Develop and maintain SQL-based reporting solutions to drive actionable insights.
2. Collaborate with the Credit Reporting & Insight team to ensure analytics meet business needs.
3. Partner with the Digital Team to align data governance and infrastructure.
4. Work with the Income Leadership Team to shape strategy and support decision-making.
5. Champion a culture of data-driven thinking across the Income function.
Key Responsibilities
6. Conduct root cause analysis of debt accumulation trends.
7. Build and refine predictive models for credit risk and debt recovery.
8. Provide insights to support the Bad Debt Transformation programme.
9. Support the migration to a data lake environment, ensuring data integrity and accessibility.
10. Create scalable, efficient SQL code and reporting frameworks.
11. Embed analytics into strategic decision-making across the business.
What you should bring to the role:
To thrive in this role, you will bring
12. Proven experience in credit risk analytics, debt management, or financial modelling.
13. Strong SQL skills for querying, reporting, and optimisation.
14. Proficiency in Python and/or R for modelling and visualisation.
15. Experience working in cross-functional teams and translating data into strategy.
16. Familiarity with cloud platforms like Azure Data Lake, AWS, or Google Cloud.
17. A degree (or equivalent experience) in Data Science, Mathematics, Statistics, or similar.
18. A passion for continuous improvement and data-led transformation.
Desirable Experience
19. Experience migrating from traditional databases to data lake architecture.
20. Background in Utilities or Financial Services.
21. Exposure to SAP or DM9 environments.
22. Knowledge of machine learning techniques relevant to credit risk.
Location: Hybrid - Walnut Court - SN2 8BN.
Hours: 36 hours per week, Monday to Friday.
What’s in it for you?
23. Competitive starting salary of £53,910 per annum.
24. Annual leave: 26 days holiday per year, increasing to 30 with the length of service. (plus bank holidays).
25. Performance-related pay plan directly linked to both company and individual performance measures and targets.
26. Generous Pension Scheme through AON.
27. Access to lots of benefits to help you take care of you and your family’s health and wellbeing, and your finances – from annual health MOTs and access to physiotherapy and counselling, to Cycle to Work schemes, shopping vouchers and life assurance.