Credit & Analytics Data Science Manager

Wwshemi; Greater London; Hybrid; GBP 110,000 - 170,000; Full time

Benefits offered by this job

Flexible working hours

WellHub health support (gym, therapy)

Extended maternity/paternity leave

Cycle-to-Work Scheme

Health and Life Insurance

Pension Scheme

25 days annual leave

Office snacks

Central London office

Job summary

Teya is building a fintech platform for local businesses across Europe. We are seeking a Data Science Manager to lead the Credit & Analytics team, owning credit risk, pricing and customer value models that underpin our lending products.

You’ll set the modelling roadmap and stay hands-on with high-impact problems that shape credit decisions and portfolio performance. You will grow the team, hire top talent, and partnership with product, engineering and risk stakeholders to ensure models are

Qualifications

• 7+ years' experience in data science or quantitative modelling, with strong hands-on experience in credit risk modelling, ideally in SME lending within a fast-paced environment (fintech, scale-up etc.).
• 2+ years' experience leading or managing data scientists, including hiring, coaching and developing team members.
• Degree in a quantitative field such as Mathematics, Statistics, Physics, Engineering or a related discipline. Advanced degree is a plus.
• Excellent applied quantitative skills, including machine learning techniques and a sound understanding of statistical model validation.
• Strong proficiency in Python and SQL, and experience deploying models into production alongside engineering teams.
• Proven track record of leading models through the full lifecycle, from problem definition to deployment, monitoring and improvement.
• Strong commercial judgement, with the ability to connect modelling work to credit performance, pricing and business strategy.
• Excellent communication and stakeholder management skills, with the confidence to influence senior stakeholders across technical and non-technical teams.
• Familiarity with lending economics is a plus - expected loss, risk-adjusted returns, cohort repayment curves, NPV or customer lifetime value.

Responsibilities

• Team leadership: Lead, mentor and develop a team of data scientists. Set clear goals, run regular 1:1s and performance conversations, and create an environment where people do their best work.
• Hiring: Own hiring for the data science team, defining the profiles we need, running rigorous interview processes and raising the bar with every hire.
• Strategy and roadmap: Translate Teya’s credit and commercial priorities into a clear data science roadmap. Prioritise the work that will have the biggest impact and communicate trade-offs to senior stakeholders.
• Model development: Lead the development of credit risk models, risk-based pricing engines and customer lifetime value frameworks. Stay hands-on with the most complex modelling problems and review the team's work for statistical soundness.
• Decisioning framework: Shape the overall framework for making credit decisions, incorporating data, models, calculators and rules. Partner with Product, Engineering, Data Engineering and Credit Strategy to bring it into production.
• Model governance: Own best practice across the model lifecycle, including documentation, validation, testing, monitoring and governance, so our models stand up to internal and regulatory scrutiny.
• Innovation: Identify and assess new internal and external data sources and modelling techniques that give Teya a competitive edge in how we assess and price risk.
• Stakeholder influence: Present models and their business impact to non-technical audiences, up to leadership and the executive committee, and turn modelling outputs into clear, actionable recommendations.

Skills

Python

SQL

Credit risk modelling

Team leadership

Stakeholder management

Statistical validation

Production deployment

Communication

Education

Degree in Mathematics/Statistics/Engineering

Tools

SQL

Job description

Teya is building a fintech platform for local businesses across Europe. We are seeking a Data Science Manager to lead the Credit & Analytics team, owning credit risk, pricing and customer value models that underpin our lending products.

You’ll set the modelling roadmap and stay hands-on with high-impact problems that shape credit decisions and portfolio performance. You will grow the team, hire top talent, and partnership with product, engineering and risk stakeholders to ensure models are