Hybrid London Data Scientist Credit Cards Bayesian

iwoca; Greater London; Hybrid; GBP 80,000 - 100,000; Full time

Benefits offered by this job

Hybrid working

Offices in London, Leeds, Berlin, and/

Employee equity incentive scheme

25 days’ holiday per year

Annual sabbatical after four years

Job summary

iwoca is seeking a Data Scientist for the Credit Cards team in London. You will build credit risk, pricing, and customer lifetime value models behind iwoca's business card, deciding who gets a card, with what features, and at what rate. The role is hybrid in London.

You will work with Bayesian methods on small samples, embedded in the Credit Cards Team, and collaborate with Credit Risk Modelling and analytics colleagues, in a culture that values learning and growth.

Qualifications

• Background in probability and statistics with a focus on uncertainty calibration.

Responsibilities

• Analyse and model card commercial decisions using Bayesian methods.
• Run end-to-end projects from framing questions to delivering actionable results.
• Collaborate with Credit Risk Modelling and analytics guild.

Skills

Statistical foundations

Bayesian reasoning

Analytical ownership

Business curiosity

AI leverage

Communication

Lending experience

Small-sample modelling

Production machine learning

Python coding

Job description

iwoca is seeking a Data Scientist for the Credit Cards team in London. You will build credit risk, pricing, and customer lifetime value models behind iwoca's business card, deciding who gets a card, with what features, and at what rate. The role is hybrid in London.

You will work with Bayesian methods on small samples, embedded in the Credit Cards Team, and collaborate with Credit Risk Modelling and analytics colleagues, in a culture that values learning and growth.