Credit - Data Scientist - Eximius Finance

ZipRecruiter; London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading recruitment platform in London is looking for a data analyst to refine underwriting strategies. The role involves leveraging alternative data sources, driving pricing optimization, and collaborating across functions. Candidates should have 5-10 years of experience in data analytics and a solid understanding of credit and fintech challenges. This role requires three days in the office.

Qualifications

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

Responsibilities

• Collaborate to design and deploy scorecards.
• Analyse data from various sources for underwriting.
• Support development of dynamic pricing models.
• Structure A/B tests to evaluate policy impacts.
• Partner with teams to align credit strategy with experience.

Skills

Credit risk understanding

Data analytics

Fintech landscape knowledge

Job description

Job Description

The role will cover the following aspects:

• Refine Underwriting Scorecards: Collaborate with otherteams 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 ecommerce 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.