Credit Risk Data Scientist — Build Predictive Models

Billing Finance Limited; Northampton; On-site; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Discretionary bonus scheme

Private Medical

Pension salary sacrifice

Income Protection

Employee Assistance Programme

Job summary

Billing Finance Limited is seeking a Data Scientist to help establish our data science and credit risk modelling capability. You will develop predictive credit risk models and work with large datasets to improve lending decisions and portfolio growth.

You will collaborate with diverse teams to translate business questions into analytical solutions, utilising Python, SQL, and cloud tools to deliver actionable insights and robust governance.

Qualifications

• Strong in Python and SQL with solid statistical modelling and predictive analytics experience.
• Experience communicating complex data insights to non-technical stakeholders.
• Background in credit risk, lending or fintech is preferred.

Responsibilities

• Develop predictive credit risk models including PD, LGD and EAD.
• Create robust model documentation, validation and governance materials.
• Collaborate with Credit Risk, Operations and Finance to implement analytics solutions.
• Build visualisations and presentations for technical and non-technical audiences.

Skills

Python

SQL

Statistical modelling

Predictive analytics

Stakeholder management

Tools

BigQuery

Google Cloud

Job description

Billing Finance Limited is seeking a Data Scientist to help establish our data science and credit risk modelling capability. You will develop predictive credit risk models and work with large datasets to improve lending decisions and portfolio growth.

You will collaborate with diverse teams to translate business questions into analytical solutions, utilising Python, SQL, and cloud tools to deliver actionable insights and robust governance.