Data Scientist - Eximius Finance

ZipRecruiter; London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading company in the fintech space seeks a skilled data analyst to optimize credit strategies through innovative scorecards and pricing models. This role involves collaboration across departments to enhance customer experience and operational effectiveness, requiring expertise in credit, data analysis, and fintech challenges.

Qualifications

• 5-10 years in data analytics or data science.
• Experience within credit/lending spaces.
• Strong understanding of fintech challenges.

Responsibilities

• Refine underwriting scorecards and collaborate on strategies.
• Utilize alternative data for underwriting precision.
• Support dynamic pricing model development.

Skills

Data analytics

Understanding of fintech landscape

Experience in credit/lending

Job description

Job Description

The role will cover the following aspects:

• Refine Underwriting Scorecards: Collaborate with otherteams to design, test, and deploy new scorecards and scorecard driven strategies in our automated credit systems.
  
• Leverage Alternative Data: Analyse structured and unstructured data from ecommerce platforms, open banking, and other non-traditional sources to improve underwriting precision and customer segmentation.
  
• Drive Pricing Optimisation: Support the development of dynamic, risk-based pricing models to ensure alignment between credit risk, customer lifetime value, and revenue objectives.
  
• Design and Run Experiments: Structure A/B tests and pilots to evaluate the impact of changes in credit policy, eligibility criteria, and pricing strategies.
  
• Collaborate Across Functions: Partner with teams in Product, Engineering, Sales, and Operations to ensure credit strategy aligns with customer experience, operational capabilities, and commercial goals.

Required skills

• Experience within credit / lending idea SME or unsecured consumer
• 5-10years in data analytics / data science
• Understanding of the fintech landscape and challenges

NB - No sponsorship on offer and the role is 3 days in the office in London.