Founding Data Scientist - Lending FinTech

Job description

Want to shape the future of responsible lending at an early-stage fintech?

Enjoy owning credit models from development through to production?

Looking for the autonomy to influence lending strategy rather than just build models?

This is a 6-person fintech start-up that's recreating personal lending through salary-linked loans, creating a fairer, more flexible borrowing experience centred around affordability rather than traditional credit scoring.

With a live product, positive cash flow and fresh funding on the horizon, they're entering an exciting growth phase and are looking for a Senior Data Scientist to play a pivotal role in scaling their credit decisioning capability.

The Role

You'll join a small, high-impact team reporting directly to the VP of Credit, taking ownership of the company's credit risk modelling and decisioning capability.

Responsibilities:

• Building and improving credit risk and decisioning models using Open Banking, bureau and internal lending data
• Developing scorecards and machine learning models to support underwriting decisions
• Deploying, monitoring and maintaining models within AWS production environments
• Analysing portfolio performance, arrears, defaults and customer behaviour
• Working closely with Product, Engineering and Risk to operationalise models and improve lending strategies

You'll ideally bring:

• Commercial experience building credit risk or decisioning models within lending (insurance backgrounds may also be considered)
• Strong experience with scorecards, logistic regression and/or machine learning models
• Good understanding of how models influence real lending decisions and commercial outcomes
• Experience deploying and maintaining models within production environments
• Strong Python, SQL and AWS experience (particularly SageMaker and Lambda)
• Comfortable working in a fast-moving, hands-on environment with high ownership
• Excellent communication skills with both technical and business stakeholders

What's on Offer?

• Salary up to £70,000
• Founding equity
• Hybrid working (2 days per week in Central London)

Apply below if interested.

Extra information

Status

Open

Education Level

Secondary School

Location

City of London

Type of Contract

Full-time jobs

Published at

01-08-2026

Profession type

Accountancy

Full UK/EU driving license preferred

No

Car Preferred

No

Must be eligible to work in the EU

No

Cover Letter Required

No

Languages

English