Data Scientist: ML for Credit, Fraud & Customer Insight

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

Job summary

Kroo Bank is seeking a Data Scientist to build, evaluate, 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, customer engagement, and operational efficiency, partnering with product, risk, operations, compliance and engineering.

This role requires strong Python and SQL skills, experience with dbt, and a track record of delivering production-ready models with robust

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.

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 baselines, validation strategies, monitoring metrics, and model performance reporting.
• Support deployment of models into production in collaboration with Engineering and contributing to reproducible pipelines and model documentation.
• Monitor models in production, identify performance drift, propose improvements, and support retraining where required.
• Apply probability and statistical inference to design experiments, interpret results, and provide clear recommendations to stakeholders.
• Collaborate with Risk, Compliance, and Audit to ensure governance and regulatory alignment.
• Write maintainable, tested Python code and use SQL/dbt to extract, transform, and validate data.

Skills

Statistical modelling

Machine learning

Data analysis

Communication

Problem solving

Exploratory data analysis

Data storytelling

Tools

Python

SQL

dbt

Job description

Kroo Bank is seeking a Data Scientist to build, evaluate, 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, customer engagement, and operational efficiency, partnering with product, risk, operations, compliance and engineering.

This role requires strong Python and SQL skills, experience with dbt, and a track record of delivering production-ready models with robust