Senior Data Scientist – Credit Risk Modelling (Hybrid)

iwoca; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Flexible working hours

Medical insurance from Vitality

Private GP service

25 days’ holiday + birthday day off +

Sabbatical after four years

Counselling and therapy access

3% pension contributions

Employee equity incentive

Parental leave and nursery tax benefit

Electric car and cycle to work schemes

Two company retreats per year

Learning budget

Job summary

iwoca is seeking a Senior Data Scientist to lead Credit Risk Modelling in the UK. You will own credit and CLtV modelling end to end, shaping technical direction across multi-quarter projects and driving business impact.

The team focuses on probabilistic ML models behind decisions, production health, and ongoing R&D to broaden modelling capabilities. Hybrid in London or remote in the UK.

Qualifications

• Background in probability and statistics from a quantitative field.
• Experience building and shipping supervised ML models end to end – exploration, training, deployment, monitoring.
• Proactive researcher with R&D mindset to find next step change.
• Ability to critically evaluate model output and explain decisions under challenge.
• Led modelling projects end to end with business impact.
• Use AI as a primary tool; prototype, automate, and drive R&D viability.
• Strong written and spoken communication; tailor detail to audience.

Responsibilities

• Own credit and CLtV modelling end to end, from spotting opportunities to commercial impact.
• Keep production models healthy, oversee incremental development and deployment.
• Lead R&D to reshape models and techniques; scale ideas from prototype to production.
• Unify auto and manual models using a principled common cost function.

Skills

Statistical foundations

Production ML

AI fluency

Project leadership

Communication

Research mindset

Judgement

Education

Quantitative field degree

Tools

Python

Job description

iwoca is seeking a Senior Data Scientist to lead Credit Risk Modelling in the UK. You will own credit and CLtV modelling end to end, shaping technical direction across multi-quarter projects and driving business impact.

The team focuses on probabilistic ML models behind decisions, production health, and ongoing R&D to broaden modelling capabilities. Hybrid in London or remote in the UK.