Founding Data Scientist - Lending FinTech

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.