Senior Data Scientist Consumer Credit Modelling

ZipRecruiter; London; Hybrid; GBP 63,000 - 75,000; Full time

Job summary

A consumer finance company in London is seeking a Senior Data Scientist to lead model development and deploy machine learning models impacting underwriting and fraud. Candidates must have strong Python and SQL skills, experience in behavioral or credit models, and excellent communication abilities. The role offers a competitive salary of up to £75,000 and a range of benefits in a hybrid working environment.

Benefits

Bonus scheme

Private medical

25–30 days holiday

Birthday off

Enhanced family-friendly policies

Great culture, real impact

Qualifications

• Strong experience with Python and SQL is essential.
• Proven background in building behavioral or credit models.
• Clear communication skills to bridge tech and non-tech teams.

Responsibilities

• Take full ownership of model development.
• Build and deploy ML models for underwriting and fraud.
• Work with structured and unstructured data in a collaborative team.

Skills

Strong Python (pandas, sklearn, etc.)

Advanced SQL

Experience building behavioural or credit models

Solid understanding of ML algorithms

Clear communicator across tech and non-tech teams

Awareness of data drift and model monitoring

Amazing visualization skills

Education

Bachelor's degree in computer science, Mathematics, Statistics, or related field

Tools

Keras

TensorFlow

Git

Tableau

Bitbucket

Job description

Job Description

Senior Data Scientist Behavioral Credit Modelling

Hybrid working London offices

Up to £75,000 DOE + Benefits

Ref: J12979

Working with a consumer finance company that’s changing the way credit’s done.

Fairer, simpler, and powered by data. Think challenger fintech with a real focus on transparency and impact.

The role

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

What we’re looking for

• Strong Python (pandas, sklearn, etc.) and advanced SQL
• Experience building behavioural or credit models
• Solid understanding of ML algorithms (not just how to run them)
• Clear communicator across tech and non-tech teams
• Awareness of data drift and model monitoring
• Amazing visualization skills; ideas need to land
• Bachelor's degree in computer science, Mathematics, Statistics, or related field

Bonus points for

• Credit card or consumer finance experience
• Exposure to deep learning (Keras, TensorFlow)
• Git, Tableau, Bitbucket
• Master’s in Data Science or similar

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, real impact

No sponsorship available

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