Credit - Data Scientist - Eximius Finance

Eximius Finance; City Of London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A financial services company in London is seeking a candidate to enhance underwriting scorecards and leverage alternative data. The role involves supporting pricing optimization, running experiments for credit policy evaluation, and collaborating with various business functions. The ideal candidate has 5-10 years of experience in data analytics within credit or lending. The position offers flexible work conditions with three office days a week.

Qualifications

• Experience within credit/lending as an SME or in unsecured consumer finance.
• 5-10 years in data analytics or data science.
• Solid understanding of the fintech landscape and its challenges.

Responsibilities

• Refine underwriting scorecards in automated credit systems.
• Analyse alternative data for underwriting precision.
• Support development of dynamic pricing models.
• Run experiments to evaluate impacts of credit policy changes.
• Collaborate with cross-functional teams to align credit strategy.

Skills

Credit/lending expertise

Data analytics

Understanding of fintech

Job description

The role will cover the following aspects :

• Refine Underwriting Scorecards : Collaborate with other teams to design, test, and deploy new scorecards and scorecard driven strategies in our automated credit systems.
• Leverage Alternative Data : Analyse structured and unstructured data from e-commerce platforms, open banking, and other non-traditional sources to improve underwriting precision and customer segmentation.
• Drive Pricing Optimisation : Support the development of dynamic, risk-based pricing models to ensure alignment between credit risk, customer lifetime value, and revenue objectives.
• Design and Run Experiments : Structure A / B tests and pilots to evaluate the impact of changes in credit policy, eligibility criteria, and pricing strategies.
• Collaborate Across Functions : Partner with teams in Product, Engineering, Sales, and Operations to ensure credit strategy aligns with customer experience, operational capabilities, and commercial goals.

Required skills

• Experience within credit / lending idea SME or unsecured consumer
• 5-10years in data analytics / data science
• Understanding of the fintech landscape and challenges

NB - No sponsorship on offer and the role is 3 days in the office in London.