Staff Data Scientist — Credit Risk & Lending Growth

LemFi; Greater London; On-site; GBP 110,000 - 170,000; Full time

Job summary

LemFi is seeking a Senior Data Scientist to lead the data science strategy for Credit, shaping underwriting, pricing, line assignment, fraud/risk interaction, and lifecycle decisioning. You will train and deploy predictive models, monitor performance, and collaborate with product, engineering, analytics, and leadership to ensure responsible growth.

You will drive experimentation, governance, and explainability while mentoring analysts and data scientists in a fast-growing fintech environment

Qualifications

• Significant hands-on experience in data science, ML, or quantitative decisioning in a fintech or risk-heavy environment.
• Strong Python and SQL for model development, analysis, and feature engineering.
• Experience delivering production ML models with monitoring, calibration and governance.

Responsibilities

• Own end-to-end data science strategy for Credit, including underwriting, pricing, risk interaction and lifecycle decisioning.
• Design, train, validate and iterate predictive models for credit outcomes in a regulated environment.
• Collaborate with Data Eng and software engineers to productionise models with reliable features and decision logic.
• Translate business problems into measurable hypotheses, model frameworks, experiments and decision proposals.
• Build monitoring for model performance, drift, fairness, and operational impact with strong explainability.

Skills

Python

SQL

Data science

Machine learning

Credit risk

Stakeholder management

Regulated environment

Job description

LemFi is seeking a Senior Data Scientist to lead the data science strategy for Credit, shaping underwriting, pricing, line assignment, fraud/risk interaction, and lifecycle decisioning. You will train and deploy predictive models, monitor performance, and collaborate with product, engineering, analytics, and leadership to ensure responsible growth.

You will drive experimentation, governance, and explainability while mentoring analysts and data scientists in a fast-growing fintech environment