Data Scientist London, hybrid working £55,000 to £65,000 plus equityThis is an exciting opportunity to join a fast paced, data driven organisation where you will have real ownership of end‑to‑end modelling. You will work on high impact machine learning models that directly shape lending decisions across a rapidly expanding US portfolio, giving you scope to make a meaningful contribution from day one. The Company They are a high growth fintech known for their strong technical culture, commercial success and continued expansion across multiple consumer finance products. Data sits at the heart of their decision making, and they are committed to building high quality, scalable models that drive product performance. Their multidisciplinary teams collaborate closely, ensuring ideas move quickly from concept to production. The Role * Build and optimise predictive machine learning models, including credit risk scorecards. * Develop models across lending, income verification, early repayment and forecasting. * Support the automation of lending decisions across loan and credit card products. * Work on acquisition, income verification, marketing and direct mail models as US volumes grow. * Manage the full modelling lifecycle, from data collection to deployment. * Communicate insights and modelling decisions effectively to technical and non‑technical stakeholders. Your Skills and Experience * Strong commercial experience building machine learning models in Python. * Solid command of SQL with the ability to work confidently with large datasets. * Experience working with customer prediction models such as forecasting, segmentation or pricing. * Ability to take ownership of projects and deliver independently. * Strong analytical capability supported by a STEM academic background. * Clear communication skills and the confidence to work closely with stakeholders. Nice to have skills include experience in credit risk or scorecard modelling. What They Offer * Salary between £55,000 and £65,000. * Equity package. * Hybrid working pattern with office days Tuesday to Thursday. * The chance to work on a growing US portfolio with significant modelling ownership and scope for impact. * A collaborative environment focused on high standards, performance and progression. How to Apply To apply, send your CV.