Senior Risk Data Scientist

Checkout.com; City of Westminster; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A leading fintech company in the UK is seeking a Senior Risk Data Scientist to join their Risk Team. The role involves developing risk models, maintaining credit risk reporting systems, and using SQL and programming languages like Python, R, or Javascript. Candidates should have experience with large data sets and an understanding of credit risk principles. The work model is hybrid, with three days a week in the office, allowing for flexibility and collaboration.

Qualifications

• Experience working with large data sets in a data-driven environment.
• Strong understanding of credit risk principles.
• Worked in payments or lending environments previously.

Responsibilities

• Build and maintain data-driven risk identification processes.
• Devise advanced analytical methods to identify anomalies in data.
• Develop and implement Rating Scorecards, PD, LGD, EAD models.
• Maintain and optimise the current Credit Risk reporting system.

Skills

SQL

Python

R

Javascript

Job description

Company Description

We're Checkout.com - you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen. Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why. With 19 offices spanning six continents, we feel at home everywhere - but London is our HQ. Wherever our people work their magic, they're fast-moving, performance‑obsessed, and driven by being better every day. Ideal. Because a role here isn't just another job; it's a career‑defining opportunity to build the future of fintech.

Job Description

As a Senior Risk Data Scientist at Checkout.com, you will play a critical role in the Risk Team, developing rules and models to

About You

Worked with large data sets in a data‑driven environment. Used SQL skills to extract and model data from a variety of data sources. Programming language knowledge or experience (e.g. Python, R, Javascript) is essential. Strong understanding of credit risk principles and has worked in either payments or lending environments previously. Experience developing, maintaining and implementing PD, LGD, EAD models for ECL measurement purposes is preferred.

Responsibilities

• Build and maintain data‑driven risk identification processes.
• Devise advanced analytical methods to identify anomalies and patterns within large data sets.
• Developing and implementing Rating Scorecards, PD, LGD, EAD models.
• Maintain and optimise the current Credit Risk reporting system.

We’re looking for someone who may not meet all the requirements but still could be right for the role; if you think you might be, please apply anyway.

Life at Checkout.com

Work as one team, and we back each other to succeed. We create the conditions for high performers to thrive through real ownership, fewer blockers and work that makes a difference from day one. It's a place where ambition gets met with opportunity and where your growth is in your hands. We'll set you up for success and make our process as accessible as possible. Tell your recruiter directly if you need anything to make your experience more comfortable.

Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it's like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram.