Credit Data Science Manager — Spain

Democrance; Greater London; On-site; GBP 90,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Pension plan

Performance bonuses

Job summary

Moniepoint, a global fintech, is seeking a hands-on Spain-based Data Science Manager to lead consumer credit data science in a high-growth environment. You will own pricing, credit limit modelling, and production model deployment impacting millions of customers.

You’ll collaborate with Consumer Credit, Product, and Engineering to shape risk assessment, product design, and portfolio performance at scale, while mentoring squads and driving data-driven decision making.

Qualifications

• Degree in a quantitative field (Statistics, Mathematics, Engineering or similar).
• 5+ years of experience in data science, decision science, or risk analytics within financial services, including 2+ years in management.
• Working knowledge of credit risk, consumer lending, and regulatory considerations.
• Proficiency in SQL and at least one modelling/programming language (Python, R).
• Experience with A/B testing, machine learning, collections modelling and churn management.
• Ability to translate complex analyses into clear recommendations for business stakeholders.
• High ownership mindset and comfort working in fast-paced, cross-functional teams.

Responsibilities

• Developing credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections.
• Design and run experiments to optimise approval rates, loss rates, and profitability.
• Partner with product squads to embed decision logic into real-time systems.
• Ensure data quality, compliance, and ethical use of models across all decisioning processes.
• Mentor product squads on best practices in experimentation and data-driven decision making.
• Provide models to optimise outcomes in collections, churn management and user retention.

Skills

SQL

Python

R

Statistics

Leadership

Experimentation

Education

Degree in quantitative field

Job description

Moniepoint, a global fintech, is seeking a hands-on Spain-based Data Science Manager to lead consumer credit data science in a high-growth environment. You will own pricing, credit limit modelling, and production model deployment impacting millions of customers.

You’ll collaborate with Consumer Credit, Product, and Engineering to shape risk assessment, product design, and portfolio performance at scale, while mentoring squads and driving data-driven decision making.