Remote Data Scientist - Credit Risk & CLTV Modelling

Iwoca; Greater London; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Flexible working hours

Medical insurance

Private GP service

25 days’ holiday

Sabbatical after four years

Employee equity incentive

Parental leave benefits

Nursery tax benefit

Electric car scheme

Company retreats

Learning budget

Job summary

iwoca is seeking a Data Scientist to join the Credit Risk Modelling team in London. You will work on credit and CLtV models that drive lending decisions, pricing and portfolio strategy, with production health, incremental development and ongoing R&D.

The team comprises about twelve data scientists, using AI-enabled prototyping to push advanced modelling. This hybrid London or remote UK role offers strong growth and impact.

Qualifications

• Clear and concise communication; adapt technical detail to audience.
• Strong foundation in probability and statistics from a quantitative field.
• Active exploration of new value-adding approaches with R&D time.
• Ability to critically evaluate model outputs and defend decisions.
• End-to-end problem ownership from framing to landed decision.
• Comfort with using AI as a primary tool and judiciously applying it.

Responsibilities

• Run credit risk and CLtV modelling projects; keep production models healthy.
• Engage in incremental development and research to improve models.
• Prototype and pro maintainable solutions using AI where beneficial.
• Collaborate with team to unify auto and manual models and sharpen loss estimates.

Skills

Communication

Statistics background

Research mindset

Judgement

Analytical ownership

AI fluency

Python

Education

Quantitative field

Tools

Python

Job description

iwoca is seeking a Data Scientist to join the Credit Risk Modelling team in London. You will work on credit and CLtV models that drive lending decisions, pricing and portfolio strategy, with production health, incremental development and ongoing R&D.

The team comprises about twelve data scientists, using AI-enabled prototyping to push advanced modelling. This hybrid London or remote UK role offers strong growth and impact.