Senior Data Scientist, Credit Risk & Lending

Moniepoint Group; United Kingdom; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Culture

Learning

Compensation

Job summary

Moniepoint Inc. in the UK is seeking a Senior Data Scientist to build and deploy credit risk models that inform underwriting, pricing, and collections at scale. You will design experiments, drive data-driven decisions, and collaborate with product teams to embed decision logic into real-time systems.

Join a customer-centric, fast-paced environment where you translate complex analyses into actionable business recommendations and mentor peers on experimentation and data-driven decision making.

Qualifications

• Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar).
• +5 years of experience in data science, decision science, or risk analytics within financial services.
• Working knowledge of credit risk, consumer lending, and regulatory considerations.
• Proficiency in SQL and at least one modelling/programming language (Python, R).
• Experience with A/B testing, machine learning, collections modelling and churn management.
• Ability to translate complex analyses into clear recommendations for business stakeholders.
• High ownership mindset and comfort working in fast-paced, cross-functional teams.

Responsibilities

• Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
• Design and run experiments to optimise approval rates, loss rates, and profitability
• Partner with product squads to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across all decisioning processes
• Mentor product squads on best practices in experimentation and data-driven decision-making
• Provide models to optimise outcomes in collections, churn management and user retention

Skills

Statistics

Data-driven

Ownership mindset

Education

Quantitative degree

Tools

SQL

Python

R

Job description

Moniepoint Inc. in the UK is seeking a Senior Data Scientist to build and deploy credit risk models that inform underwriting, pricing, and collections at scale. You will design experiments, drive data-driven decisions, and collaborate with product teams to embed decision logic into real-time systems.

Join a customer-centric, fast-paced environment where you translate complex analyses into actionable business recommendations and mentor peers on experimentation and data-driven decision making.