Lead Data Scientist

Harnham; London; Hybrid; GBP 70,000 - 75,000; Full time

Job summary

A leading fintech company in London is seeking a Lead Data Scientist to spearhead its credit risk strategies and model development. The position offers a dynamic work environment and significant impact on the company's lending performance through data-driven decision-making.

Benefits

25 days holiday (+ bank holidays)

Private health insurance

Qualifications

• Strong technical skills in Python, SQL, and data analysis.
• Experience in model development and credit risk decisioning.
• Familiarity with transaction data and credit bureau sources.

Responsibilities

• Lead the end-to-end lifecycle of credit models, from data sourcing to monitoring.
• Own the development of decisioning strategies and portfolio performance analysis.
• Collaborate with engineering teams to deploy models into production.

Skills

Python

SQL

Model monitoring

Data analysis

Education

5–7 years of experience in consumer credit

Job description

This range is provided by Harnham. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Harnham

Building Credit Risk, Fraud,and Pricing Analytics Teams in Lending and Insurance I The Talent Driving The Data and AI Revolution

LEAD DATA SCIENTIST – CREDIT

HYBRID – UK

This role does not offer sponsorship.

This is a fantastic opportunity to lead credit risk decisioning at a fast-growing fintech. You will be the go-to expert for credit strategy, owning model development and deployment, and helping shape the company’s lending performance.

THE COMPANY

This company is an ambitious fintech operating in the consumer finance space, providing oversees payments and credit cards. With a strong data-driven culture and a collaborative team structure, they are scaling quickly and investing heavily in their data capabilities to drive better customer and business outcomes.

THE ROLE

You can expect to be involved in the following day-to-day:

• Lead the end-to-end lifecycle of credit and affordability models, from data sourcing to production monitoring.
• Work with a range of data types, including bureau, open banking, and behavioural data.
• Own the development and execution of decisioning strategies, including champion/challenger experiments.
• Analyse portfolio performance and recommend strategic changes based on data insights.
• Partner with engineering teams to deploy models into production systems.
• Work closely with key stakeholders to align data-driven decisions with business goals.

YOUR SKILLS AND EXPERIENCE

• 5–7 years of experience in a consumer credit environment, particularly in decision science or data science.
• Strong technical skills in Python (including libraries like scikit-learn, XGBoost, LightGBM).
• Experience working with transactional data and credit bureau sources.
• Familiarity with model monitoring and performance tracking frameworks.
• Proficient SQL skills for querying and data transformation.
• Bonus: experience with unsupervised learning techniques, alternative credit data, or working in a startup/scale-up setting.

THE BENEFITS

• 25 days holiday (+ bank holidays)
• Private health insurance

HOW TO APPLY

Please register your interest by submitting your CV via the Apply link on this page.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst

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