Junior Data Scientist

Lendable; City Of London; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A fintech company based in London is seeking a Data Analyst to join its UK Loans team. You will work on pricing and credit optimization projects, utilizing Python and SQL to analyze data and propose solutions. The ideal candidate is knowledgeable in machine learning techniques and comfortable communicating results to stakeholders. This role offers competitive compensation, the option to work from home on Mondays and Fridays, and opportunities for professional development.

Benefits

Best-in-class compensation

Private health insurance

Fully stocked kitchen

Option to work from home

Qualifications

• Experience using Python and SQL.
• Theoretical knowledge of machine learning techniques.
• Confident communicator within teams.

Responsibilities

• Work on projects related to pricing and credit optimization.
• Collaborate with product and credit teams.
• Research and propose improvements to strategies.

Skills

Python (pandas, numpy, scikit-learn)

SQL

Core ML techniques

Statistical principles

Effective communication

Self-driven

Job description

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money.We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 600 people

• Among the fastest-growing tech companies in the UK

• Profitable since 2017

• Backed by top investors including Balderton Capital and Goldman Sachs

• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the team

Lendable is the UK market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science and Analytics sits at the heart of this USP, developing the credit risk models and strategies to underwrite loan and credit card products.

Our team is primarily focused on the pricing domain but we also work on other areas including product and credit. We implement a range of machine learning techniques and analytical tools to continually improve our product offering.

About the role

You will be working in the UK Loans team at Lendable and will work on projects related to pricing, funnel and credit optimisation in collaboration with the credit and product teams.

Join us if you want to

• Work in a small, high-impact team where you will be mentored to solve complex analytical problems, eventually taking ownership of your own models

• Be resourceful to solve problems and find smarter solutions than the status quo.

• Work closely with other members of the team that will support developing your technical expertise and domain knowledge

Our team’s objectives

• The pricing team owns the loans funnel analytics and pricing strategy.

• We work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions.

How you’ll impact those objectives

• Learn the domain of products that Lendable serves, understanding the data that informs strategy and modelling is essential to being able to successfully contribute value.

• Research and propose improvements to our existing strategies and modelling methodology

• Clearly communicate results to stakeholders through verbal and written communication.

• Share ideas with the wider team, learn from and contribute to the body of knowledge.

Key Skills

• Experience using Python (pandas, numpy, scikit-learn) and SQL

• Theoretical understanding of core ML techniques and statistical principles

• Confident communicator and contributes effectively within a team environment

• Self-driven and willing to take ownership of specific tasks and analyses

Nice to Have

• Interest in Data Engineering

• Exposure to credit risk or financial datasets

• Prior experience with financial modelling

The interview process

For this role we’d expect:

• A phone call with one of the team

• Video Call case study (Remote)

• An exercise to complete in your own time

• Onsite Interview

  • Discuss the exercise you completed

  • Meet the team you’ll work with daily

Life at Lendable

• The opportunity to scale up one of the world’s most successful fintech companies.

• Best-in-class compensation, including equity.

• You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.

• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.

• We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance

• We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

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