Data Scientist

Eden Smith Group; Greater London; On-site; GBP 45,000 - 70,000; Full time

Job summary

Eden Smith Group is seeking a hands-on Data Scientist to own the credit risk analytics behind a fast-growing consumer lending business. You will turn application, bureau and Open Banking data into scorecards, policies and pricing that decide who gets lent to, how much, and at what price.

You’ll build and monitor models, track portfolio performance through vintage and cohort analyses, and translate findings into recommendations for senior stakeholders to act on.

Qualifications

• 2+ years of experience in data science.
• Strong Python and SQL skills with robust pipelines.
• Background in credit risk analytics or a quantitative role.

Responsibilities

• Build dashboards and reporting for internal teams and external funders.
• Monitor models and portfolio performance through vintage/cohort analyses.
• Support underwriting on referred cases when needed.

Skills

Python

SQL

Statistical methods

Machine learning

Credit risk analytics

Education

Bachelor's degree in maths/statistics/physics/engineering/computer science or quantitative economics

Job description

We're hiring a Data Scientist to own the credit risk analytics behind a fast growing consumer lending business, built by a team of real thought leaders and innovators in Banking and Fintech. This is a highly innovative start-up which brings huge potential for the successful candidate.

This is a hands on role at the heart of the business, turning application, bureau and Open Banking data into the scorecards, policies and pricing that decide who gets lent to, how much, and at what price. You'll build and monitor the models driving those decisions, track portfolio performance through vintage and cohort analysis, and turn what you find into recommendations senior stakeholders actually act on.

Required Skills:

• 2+ Years of Experience in Data Science
• Strong Python and SQL skills, comfortable building robust, reusable pipelines
• Solid grounding in statistical and machine learning methods such as regression and classification
• Background in credit risk analytics, data science or another quantitative role
• A degree in Maths, Statistics, Physics, Engineering, Computer Science or quantitative Economics (or a different relevant subject)
• Familiarity with credit bureau or Open Banking data is a bonus, not a requirement
• Comfortable with ambiguity (alongside autonomy) and happy to get stuck in at a fast moving start up

You'll be working directly with application, credit bureau and Open Banking data, building dashboards and reporting for internal teams and external funders, and occasionally supporting manual underwriting on referred cases.

This is a fast paced, high-energy fintech start up who are keen to invest infinite time and teaching into a Data Scientist at the beginning part of thier career.