Data Scientist (Credit) - Car Finance

📋 Description

• Build, validate and monitor application and behavioural scorecards using bureau, Open Banking and
• Design, test and refine our credit strategy: cut-offs, affordability rules, pricing tiers and
• Run experiments and champion/challenge tests to prove that changes to policy and models actually
• Explore new data sources and alternative signals, and build the case for using (or not using) them
• Support model governance: document what you build, evidence that it treats customers fairly, and
• Work with our engineers to get models and rules into production, and use AI tooling to make

🎯 Requirements

• 2–5 years' experience in decision science or data science within consumer lending or another
• Hands-on experience developing or materially refining credit scorecards or risk models (logistic
• Experience working with Open Banking or other alternative data in credit decisioning.
• SQL user, comfortable working with large, imperfect datasets.
• Solid grounding in statistics and good instinct for when a result is real.
• Commercial judgement: can translate model output into lending decisions and explain trade-offs to

🎁 Benefits

• Bonus scheme designed to reward high performance
• Private medical insurance with Vitality, mental health support with Oliva
• Personal learning budget and 2 dedicated L&D days a year
• Monthly flexible benefits budget to spend as you choose
• 25 days holiday plus bank holidays
• 4 weeks Work From Anywhere per year