Decision Scientist (Credit Risk)

My client, a specialist lending FinTech, is looking for a Decision Scientist to join the Credit & Risk function. This role will build and own models, and is ideal for someone with a data/analytics/credit background in the consumer finance space.

Responsibilities

• Develop, improve, and maintain credit and affordability models used in real-time decisioning
• Lead on analytics across credit and business KPIs
• Implement analytical tools, models, and decisioning frameworks to improve operational efficiency and support data-driven decision-making across the business
• Develop robust monitoring and reporting capabilities to track portfolio performance, identify emerging risks, and escalate material deviations from expected outcomes
• Apply statistical and machine-learning techniques to optimise approval rates, losses, and customer outcomes
• Monitor model performance, stability, and fairness over time
• Contribute to decision rules, scorecards, and credit strategies across the customer lifecycle

Requirements

• 2–4 years’ experience in decision science, data science, risk analytics, or a related role
• Experience in consumer finance
• Strong modelling skills
• Proficiency in SQL and Snowflake
• Experience working with large datasets

This role is offered mostly remote, with occasional (1 day per month) travel to London. Candidates must hold valid right to work in the UK.