Head of Data Science - Credit Risk

Posted 26 October by Harnham
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Head of Data Science and Credit Decisioning
Up to £120,000

This is a fantastic opportunity for an experienced data scientist with experience using Python to build ML models within a consumer lending or environment. The role may also suit a technically advanced Credit Risk specialist with extensive experience developing advanced application scorecards and driving lending strategy.

The role is with a fast-growing fin-tech who are revolutionising their consumer lending space. With excellent tech, top-tier team, a vibrant culture and one of the best benefits packages you'll find in the fin-tech space - it's no wonder they have been rewarded as one of the best tech companies to work for in the UK.

As a senior leader in a flat structured business you will lead a team (5 Data Scientists) whilst also using your hands on technical skills to develop best in class decision models. You'll also have significant influence on C-level and board decisions.


  • Manage the development, monitoring and deployment of best in class statistical and machine learning models including for predicting creditworthiness of customers
  • Designing and deploying new decision processes using both statistical and machine learning methodologies to improve lending decisions, customer experience and customer outcomes.
  • Use your analytical strengths and data skills to solve different business problems ranging from Credit Risk to Marketing, Pricing etc
  • Use of techincal tools such as Python, SQl, R to develop and optimise decision algorithms
  • Involvement in leadership decisions across the business
  • Influence stakeholders up to board level and represent Data Science function at various committee meetings


  • Educated to a degree level in a numerate discipline
  • Strong Credit Risk Scorecard development (Credit Scoring) experience with Python or similar statistical modelling tools
  • Experience working as a data scientist
  • Previous experience using Python or similar programming languages
  • Experience working with Credit Reference Agency data e.g. Equifax, Experian, TransUnion etc
  • Track record of finding and implementing efficient solutions to real business problems in the lending space
  • Self driven able to motivate team and manage both internal and external relationships


  • Up to £120,000 + Bonus
  • 10% bonus
  • 10% pension


Use the 'apply' feature on this page


Credit Risk , Credit Underwriting Models, Scorecards, Decision Science, Application Scorecards, Behavioural Scorecards, Stress Testing, Python, SAS, R, Credit Risk Modelling, Acquisition Strategies, Cards, Loans, Unsecured

Reference: 44488728

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