Data Scientist: ML & Analytics for FinTech Impact

Kroo Bank Ltd; Greater London; Hybrid; GBP 70,000 - 110,000; Full time

Job summary

Kroo Bank Ltd is seeking a Data Scientist to build and deploy data science solutions that support strategic decision-making and improve customer experiences. You will work on high-impact initiatives across credit risk, fraud prevention, customer engagement, and operational efficiency, using Python, SQL, and dbt to drive robust analyses.

Hybrid working with 1-2 days in the London office is available, and you will collaborate across Product, Risk, Operations, Compliance, and Engineering to deliver

Qualifications

• Experience building and evaluating statistical and machine learning models in a commercial environment.
• Strong analytical and problem solving skills with the ability to translate business challenges into practical data science solutions.
• Ability to conduct basic data collection by independently sourcing and defining required datasets, partnering with stakeholders to clarify data needs and ensure appropriate coverage and traceability.
• Ability to perform data cleaning effectively by independently applying robust cleaning approaches, proactively identifying data quality issues, and contributing to improving data reliability and standards.
• Ability to conduct basic data analysis by independently performing exploratory analysis and statistical investigation, translating findings into clear insights and actionable recommendations.
• Strong programming fundamentals with experience writing maintainable Python code for analysis and modelling, contributing to shared codebases through good practices, testing, and documentation.
• Experience using SQL and dbt to extract, transform, validate, and analyse data.
• Ability to apply visualisation techniques to produce clear, purposeful visualisations and model performance summaries that support decision making across technical and non technical audiences.
• Ability to communicate effectively by explaining complex analytical concepts clearly and tailoring messages to a wide range of stakeholders.
• Awareness of model governance, risk management, and regulatory considerations within a financial services environment is advantageous.

Responsibilities

• Build and iterate on statistical and machine learning models to solve business problems across areas such as credit risk, fraud, customer engagement, and operational efficiency.
• Partner with stakeholders to define problem statements, success metrics, data requirements, and practical implementation plans.
• Conduct data exploration and feature engineering to uncover drivers of outcomes and improve model performance and interpretability.
• Develop robust evaluation frameworks, including appropriate baselines, validation strategies, monitoring metrics, and model performance reporting.
• Support deployment of models into production in collaboration with Engineering, contributing to reproducible pipelines and model documentation.
• Monitor models in production, identify performance drift, propose improvements, and support ongoing recalibration or retraining where required.
• Apply probability and statistical inference to design experiments, interpret results, and provide clear recommendations to stakeholders.
• Contribute to high quality data practices by identifying data quality issues, supporting cleaning and normalisation approaches, and defining standards for reliable datasets.
• Write maintainable, well tested Python code using common data science libraries, and follow engineering best practices appropriate for production systems.
• Use SQL and dbt to extract, transform, and validate data for analysis and modelling, ensuring traceability and reliability of outputs.
• Collaborate with Risk, Compliance, and Audit stakeholders to ensure data science work is appropriately governed, documented, and aligned with regulatory expectations.
• Support continuous improvement across data science methodologies, tooling, and ways of working.

Skills

Statistical models

Machine learning

Data analysis

Python programming

SQL

dbt

Data visualization

Problem solving

Communication

Tools

dbt

Job description

Kroo Bank Ltd is seeking a Data Scientist to build and deploy data science solutions that support strategic decision-making and improve customer experiences. You will work on high-impact initiatives across credit risk, fraud prevention, customer engagement, and operational efficiency, using Python, SQL, and dbt to drive robust analyses.

Hybrid working with 1-2 days in the London office is available, and you will collaborate across Product, Risk, Operations, Compliance, and Engineering to deliver