Data Scientist - Risk Analysis

Capital on Tap; City of Westminster; Hybrid; GBP 35,000 - 50,000; Full time

Job summary

A leading fintech company in England is seeking a Risk Analyst to join their risk analytics team. This role involves optimizing risk-based decision-making across fraud, financial crime, collections, and disputes. The ideal candidate will have at least three years of risk analysis experience with strong analytical skills using SQL and Python. The position allows for hybrid working arrangements, with three days at the London office each week.

Benefits

Private Healthcare

Worldwide travel insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

28 days holiday

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Cycle to Work Scheme

Season Ticket Loan

6 free therapy sessions per year

Dog-Friendly Offices

Free drinks and snacks

Qualifications

• At least three years of risk analysis experience, ideally including credit cards, fraud, collections, or financial crime.
• Highly analytical and comfortable conducting complex analysis using SQL and Python.
• Exceptional attention to detail and problem-solving skills.

Responsibilities

• Own and optimize fraud detection rules.
• Apply advanced analytics to enhance financial crime detection processes.
• Maximize collections performance through scoring and segmentation.

Skills

Risk analysis experience

SQL

Python

Attention to detail

Problem-solving skills

Verbal communication skills

Education

Degree in Economics or STEM

Job description

Responsibilities of your role will include:

1. Owning, monitoring, and continually optimizing our fraud detection rules.
2. Applying advanced analytics to maximize the efficiency and effectiveness of our Financial Crime detection processes.
3. Maximizing the performance of our collections function through scoring and segmentation to optimize our approach at a customer level.
4. Working with external vendors to continually evaluate innovative or alternative products and tools.
5. Proactively championing the best use of AI to accelerate the delivery of analytical output and as an integral part of our business solutions.

Your role will involve presentation to and active collaboration with a wide group of business stakeholders including Operations, Credit, Senior Management, and external business partners.

We're Looking For

• At least three years of risk analysis experience, ideally including credit cards, fraud, collections, or financial crime.
• Highly analytical and comfortable conducting complex analysis using SQL and Python.
• Exceptional attention to detail, problem-solving skills, and a 'can-do' attitude to thrive in a fast-paced, high-growth environment.
• Excellent collaboration skills and a natural team player.
• Strong verbal communication skills, including the ability to clearly explain complex concepts to analysts, business stakeholders, and senior leadership.
• Degree level of 2.1 or above, preferably in Economics or STEM subjects.

Diversity & Inclusion

We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks

We try not to take ourselves too seriously (all the time), so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:

• Private Healthcare including dental and opticians services through Vitality
• Worldwide travel insurance through Vitality
• Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
• Salary Sacrifice Pension Scheme up to 7% match
• 28 days holiday (plus bank holidays)
• Annual Learning and Wellbeing Budget
• Enhanced Parental Leave
• Cycle to Work Scheme
• Season Ticket Loan
• 6 free therapy sessions per year
• Dog-Friendly Offices
• Free drinks and snacks in our offices

Check out more of our benefits, values, and mission on our website.

Interview Process

1. First stage: 30-minute intro and values call with Talent Partner (Video call)
2. Second stage (in person): 45-minute technical assessment, 60-minute case study, 45-minute competency-based interview
3. Final stage: 30-minute executive interview

Other Info: Check out our 'Top Tips' for interviewing.

Keep updated on new job opportunities by following us on LinkedIn. Email [e-mail] if you have questions. Excited to work here? Apply! We aim to respond within 3 working days (up to 5 during busy periods).

We are Capital on Tap, founded to help small business owners. We provide a business credit card & spend management platform serving over 200,000 businesses worldwide. Our goal is to help 1 million small businesses by 2030.

Why Join Us? We empower you to innovate, solve complex problems, take ownership, and thrive in an agile environment. This is a hybrid role, with the Risk team working from our London (Shoreditch) offices 3 days per week.

What You'll Be Doing

We are looking for a Risk Analyst to join our risk analytics team. You will work across Fraud, Fincrime, Collections, and Disputes, using data and analytics to optimize risk-based decision-making, minimize credit losses, and ensure regulatory compliance. You will play a central role in our risk analytics team.