Credit Risk Modeling Data Scientist

Billing Finance Ltd; Northampton; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Discretionary bonus scheme

Private Medical

Job summary

Billing Finance Ltd in Northampton is seeking a Data Scientist to help establish and develop our data science and credit risk modelling capability from the ground up. You’ll build predictive models (PD, LGD, EAD), scorecards and affordability strategies, working with large datasets to improve lending decisions and portfolio growth.

Reporting to the Credit Risk Manager, you’ll collaborate across Credit Risk, Operations, Finance and Technology to deliver data-driven solutions and robust model

Qualifications

• Experience developing predictive credit risk models and scorecards.
• Strong Python and SQL skills with statistical modelling knowledge.
• Ability to translate data insights into business actions for risk decisions.

Responsibilities

• Design, develop, validate and monitor credit risk models (PD, LGD, EAD, scorecards).
• Analyse customer and bureau data to identify trends and opportunities.
• Collaborate with Credit Risk, Operations, Finance and Technology to deliver data-driven solutions.
• Build scalable analytical processes using BigQuery and Google Cloud.
• Create clear visualisations and presentations for technical and non-technical audiences.
• Maintain model documentation, validation reports and governance materials.
• Ensure data integrity and regulatory compliance (GDPR).

Skills

Python

SQL

Statistical modelling

Predictive analytics

Stakeholder management

Presentations

Tools

BigQuery

Google Cloud

Job description

Billing Finance Ltd in Northampton is seeking a Data Scientist to help establish and develop our data science and credit risk modelling capability from the ground up. You’ll build predictive models (PD, LGD, EAD), scorecards and affordability strategies, working with large datasets to improve lending decisions and portfolio growth.

Reporting to the Credit Risk Manager, you’ll collaborate across Credit Risk, Operations, Finance and Technology to deliver data-driven solutions and robust model