Data Scientist, Credit Risk - FinTech

Harnham; Greater London; Híbrido; GBP 70 000 - 110 000; Tempo integral

Resumo da oferta

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

Qualificações

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

Responsabilidades

• 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.

Conhecimentos

Credit risk modelling

Scorecards

Open Banking data

Feature engineering

Model deployment

Cross-functional collaboration

Formação académica

Bachelor's degree in a quantitative field

Descrição da oferta de emprego

Want to build credit risk models that directly influence lending decisions?

Looking for broader ownership than a traditional modelling role offers?

Excited by the opportunity to work across modelling, deployment and decision science?

A growing UK FinTech is hiring a Data Scientist to join its Decision Science team. The business has developed an innovative lending model that provides customers with a more transparent and accessible alternative to traditional credit products. With around 100 employees, a strong culture and a collaborative environment, this is an opportunity to have direct influence on how lending decisions are made across the business.

This role focuses on developing and enhancing credit risk models, with a particular emphasis on scorecards, affordability and decisioning. You'll work across the entire model lifecycle, giving you far greater ownership and commercial exposure than a typical modelling position.

Key Responsibilities

• 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

Working Model: Hybrid, 2 days per week in Central London office