Credit Risk Data Scientist - Scorecards & Decisioning

Harnham; Greater London; Hybride; GBP 70 000 - 110 000; Plein temps

Résumé du poste

Harnham is recruiting a Data Scientist to join its Decision Science team in a growing UK FinTech. You will own end-to-end credit risk modelling, focusing on scorecards, affordability and decisioning, with exposure across the model lifecycle and the opportunity to influence lending decisions across the business.

The role offers hybrid working with 2 days per week in the Central London office, providing broader ownership than traditional modelling roles and cross-functional collaboration with

Qualifications

• Experience in credit risk modelling and scorecards.
• Familiarity with Open Banking data and credit bureau data.
• Strong feature engineering and model deployment skills.

Responsabilités

• Develop and improve credit risk scorecards and lending models.
• Build solutions using Open Banking and bureau data.
• Enhance model performance through feature engineering and analysis.
• Support affordability modelling and lending decision optimisation.
• Deploy and monitor models across production environments.
• Partner with underwriting, finance and credit strategy teams.
• Contribute to IFRS9 and wider risk modelling initiatives.

Connaissances

Credit risk modelling

Scorecards

Open Banking data

Feature engineering

Model deployment

Cross-functional collaboration

Formation

Bachelor's degree in a quantitative field

Description du poste

Harnham is recruiting a Data Scientist to join its Decision Science team in a growing UK FinTech. You will own end-to-end credit risk modelling, focusing on scorecards, affordability and decisioning, with exposure across the model lifecycle and the opportunity to influence lending decisions across the business.

The role offers hybrid working with 2 days per week in the Central London office, providing broader ownership than traditional modelling roles and cross-functional collaboration with