Senior Data Scientist Consumer Credit

ZipRecruiter; London; Hybrid; GBP 75,000; Full time

Job summary

A consumer finance business seeks a Senior Data Scientist in London to develop and deploy machine learning models. This hybrid role requires strong experience in Python and SQL, along with a degree in a relevant field. The candidate will work on credit modeling and behavioral analysis, contributing to data-driven decisions that shape the company's strategy. Competitive salary up to £75,000 and benefits included.

Benefits

Bonus scheme

Private medical

25–30 days holiday + birthday off

Enhanced family-friendly policies

Great culture

Qualifications

• Strong experience in Python and SQL is essential.
• Proven experience in building models for credit or behavioural analysis.
• Ability to communicate technical concepts effectively.

Responsibilities

• Develop and deploy machine learning models.
• Collaborate with teams for data-driven decisions.
• Monitor and manage model performance.

Skills

Python (pandas, sklearn, etc.)

Advanced SQL

Building behavioural or credit models

Good grasp of ML algorithms

Clear communicator

Data drift awareness

Excellent data visualization

Education

Degree in Computer Science, Maths, Stats, or similar

Tools

Keras

TensorFlow

Git

Tableau

Bitbucket

Job description

Job Description

Senior Data Scientist – Consumer Credit Modelling

Hybrid – London | Up to £75,000 DOE + Benefits

Ref: J12979

We’re working with a consumer finance business that’s rethinking credit, making it fairer, simpler, and powered by data.

Think challenger fintech with a clear focus on transparency and real-world impact.

The Role

You’ll take full ownership of model development—building and deploying ML models that directly shape decisions across underwriting, fraud, and customer conversion. It’s a hands-on, end-to-end role, working with both structured and unstructured data in a collaborative, fast-paced team.

What We’re Looking For

• Strong Python (pandas, sklearn, etc.) and advanced SQL
• Experience building behavioural or credit models
• Good grasp of ML algorithms, not just how to run them
• Clear communicator across technical and non-technical teams
• Solid awareness of data drift and model monitoring
• Excellent data visualisation—You know how to make ideas land
• Degree in Computer Science, Maths, Stats, or similar

Bonus Points For

• Experience in credit cards or consumer lending
• Exposure to deep learning (Keras, TensorFlow)
• Familiar with Git, Tableau, Bitbucket
• Master’s in Data Science or related field

What’s on Offer

• Up to £75k depending on experience
• Bonus scheme + private medical
• 25–30 days holiday + birthday off
• Hybrid working (London)
• Enhanced family-friendly policies
• Great culture and a chance to make a real impact

Please note: sponsorship is not available for this role.

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