Senior Data Scientist

Lendable Ltd; City of London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A leading fintech company in London is seeking a Senior Data Scientist to build and deploy innovative credit risk models. The ideal candidate will have strong expertise in machine learning and Python, alongside a solid understanding of credit and lending strategies. You will work collaboratively within a multidisciplinary team and have the opportunity to mentor others. This role offers a hybrid work model, with a vibrant office culture and excellent perks including private health insurance.

Benefits

Best-in-class compensation

Equity options

Private health insurance

Home office flexibility

Healthy lunches provided

Qualifications

• Proven background in building models in credit or lending.
• Experience with machine learning and data-driven decision making.
• Ability to communicate complex topics clearly.

Responsibilities

• Build and deploy credit risk models.
• Communicate insights to stakeholders.
• Mentor and promote best practices within the team.

Skills

Machine learning techniques

Python programming

Data transformation

Communication skills

Team collaboration

Mentoring

Credit risk knowledge

Tools

MLFlow

Job description

## About the roleWe are excited to be hiring a new Senior Data Scientist for our team! Ideally, this role will suit someone with a proven background in building models ideally in credit, lending, or other areas of financial services. Lendable is the market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science sits at the heart of this USP, developing the credit risk models to underwrite loan and credit card products.You will have access to the latest machine learning techniques combined with a rich data repository to deliver best in market risk models.This role will primarily focus on our US unsecured loans and credit cards business.**Our team’s objectives*** The data science team develops proprietary machine learning models combining state-of-the-art techniques with a variety of data sources that inform scorecard development and risk management, optimise marketing and pricing, and improve operations efficiency.* Research new data sources and unstructured data representation.* Data scientists work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions.* Deliver data services to a wide variety of stakeholders by engineering CLI programs / APIs.* Design, implement, manage and evaluate experiments of products and services leading to constant innovation and improvement.**How you’ll impact those objectives*** Use your expertise to build and deploy models that contribute to the success of the business.* Stay up to date with the latest advancements in machine learning and credit risk modelling proactively proposing new approaches and projects that drive innovation.* Learn the domain of products that Lendable serves, understanding the data that informs strategy and risk modelling.* Extract, parse, clean and transform data for use in machine learning.* Clearly communicate results to stakeholders through verbal and written communication.* Mentor other data scientists and promote best practices throughout the team and business.**Key Skills*** Knowledge of machine learning techniques and their respective pros and cons.* Ability to communicate sophisticated topics clearly and concisely.* Proficiency with creating ML models in Python with experiment tracking tools, such as MLFlow.* Curiosity, creativity, resourcefulness and a collaborative spirit.* Interest in problems related to the financial services domain - a knowledge of loan or credit card underwriting is advantageous.* Confident communicator and contributes effectively within a team environment.* Experience mentoring or leading others.* Self-driven and willing to lead on projects / new initiatives.Familiarity with data used within credit risk decisioning such as Credit Bureau data, especially across multiple geographies is an advantage.**The interview process**We’re not corporate, so we try our best to get things moving as quickly as possible. For this role, we’d expect:* A quick phone call with the people team* Interview with hiring manager* Take home task* Task debrief* Case study interview* In person interview where you'll do your final round and have some lunch with the team* The opportunity to scale up one of the **world’s most successful** fintech companies* **Best-in-class** compensation, including equity* You can work from home **every Monday and Friday** if you wish - on the other days we all come together IRL to be together, build and exchange ideas* **Our in-house chefs** prepare fresh, healthy lunches in the office every Tuesday-Thursday* We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to **private health insurance*** We're an **equal opportunity employer** and are keen to make Lendable the most inclusive and open workspace in London