Senior Decision Scientist

Datatech; United Kingdom; Hybrid; GBP 80,000 - 90,000; Full time

Job summary

Datatech is seeking a Senior Decision Scientist for SME Lending in the UK. This hybrid role combines advanced modelling with commercial strategy, owning the end-to-end model lifecycle from data exploration to production.

You'll develop ML and statistical models for credit risk, affordability and pricing, build dashboards, monitor performance and collaborate with Risk and Data teams to influence underwriting decisions. A strong background in SME lending and Python/SQL is essential.

Qualifications

• Strong machine learning experience within lending, with SME lending experience essential.
• Strong consumer lending and credit risk knowledge.
• Excellent Python and SQL skills.
• Proven experience delivering models from development through to production.

Responsibilities

• Develop and deploy machine learning and statistical models across credit risk, affordability and pricing.
• Own the full modelling lifecycle, including data exploration, feature engineering, development, validation and deployment.
• Build and enhance automated credit decisioning strategies for SME lending.
• Develop model monitoring frameworks and performance dashboards.
• Introduce new data sources, challenger models and experimentation, including A/B testing.
• Translate complex analytical findings into actionable business recommendations.
• Work closely with Data and Risk teams to influence underwriting strategy and portfolio performance.

Skills

Machine Learning

Credit Risk

SME Lending

Python

SQL

Model Governance

Stakeholder Communication

Tools

Python

SQL

Job description

SENIOR DECISION SCIENTIST | SME LENDING

Location: UK, Hybrid (2 days per week office-based)

Salary: £80,00 to £90,000 PA + Annual Bonus

SENIOR DECISION SCIENTIST WANTED FOR A GROWING UK FINTECH !

Datatech Analytics is partnering with an ambitious and fast-growing UK financial services business to recruit a Senior Decision Scientist.

Operating in the SME lending market, the business is using technology, data and automated decisioning to transform how businesses access finance. With significant growth ambitions, this is an opportunity to join a business where data science plays a central role in commercial strategy and lending decisions.

THE OPPORTUNITY

Sitting at the intersection of Data Science, Credit Risk and Commercial Strategy, you'll take ownership of developing and deploying advanced decisioning models that directly influence how the business assesses risk, prices finance and manages its lending portfolio.

You'll have the opportunity to challenge existing approaches, introduce new data sources and develop innovative modelling techniques, with genuine ownership of the end-to-end model lifecycle.

KEY RESPONSIBILITIES

• Develop and deploy machine learning and statistical models across credit risk, affordability and pricing.
• Own the full modelling lifecycle, including data exploration, feature engineering, development, validation and deployment.
• Build and enhance automated credit decisioning strategies for SME lending.
• Develop model monitoring frameworks and performance dashboards.
• Introduce new data sources, challenger models and experimentation, including A/B testing.
• Translate complex analytical findings into actionable business recommendations.
• Work closely with Data and Risk teams to influence underwriting strategy and portfolio performance.

WHAT WE'RE LOOKING FOR

• Strong machine learning experience within lending, with SME lending experience essential.
• Strong consumer lending and credit risk knowledge.
• Excellent Python and SQL skills.
• Proven experience delivering models from development through to production.
• Experience in fintech, financial services or automated decisioning environments.
• Understanding of UK credit risk, regulation and model governance.
• Strong communication skills and the ability to engage technical and commercial stakeholders.
• A commercially minded approach with a strong sense of ownership.

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