Credit Risk Data Scientist

Harnham
City of London
1 day ago
Create job alert

Do you want to rebuild commercial credit models used by lenders across the UK?

Have you worked hands-on with SME or corporate lending data end to end?

Are you looking for a stable, high-impact analytics role with real ownership?


Company overview

This organisation is a leading UK credit data provider operating at the heart of the lending ecosystem. They work with banks, fintechs, and commercial lenders to improve credit decision-making through data, analytics, and risk products. The environment is collaborative, stable, and low-turnover, with long-term investment in analytics rather than hype-driven AI.


The role

This is a hybrid Data Scientist / Model Developer position within the commercial lending product team. You will rebuild and enhance core credit products used by lenders, owning models end to end and working with rich commercial datasets.


Key responsibilities

• Build and rebuild commercial credit scorecards and decision models

• Develop affordability, segmentation, and forecasting models

• Own models end to end from data exploration to deployment

• Work with commercial datasets such as company registrations and filings

• Contribute to portfolio analytics and ad-hoc analytical projects

• Support the evolution of legacy products into modern solutions


Key details

• Salary: up to £75k base + bonus and standard benefits

• Location: London preferred; Leeds or Nottingham considered

• Working model: Hybrid, 3 days onsite (Tues–Thurs)

• Tech stack: Python, SQL

• Visa sponsorship: Not available


Requirements

• 3+ years’ experience in data science or credit risk modelling

• Proven experience with commercial or business lending data (SME/corporate)

• Strong Python modelling capability; SQL for data access

• Background in credit scorecards, affordability, segmentation, forecasting, or NPV modelling

• STEM degree

• Hands-on, delivery-focused mindset


Interested? Please apply below.

Related Jobs

View all jobs

Credit Risk Data Scientist

Credit Risk Data Scientist: Portfolio & Debt Analytics

Credit Risk Data Scientist: Revenue & Debt Analytics

Senior Data Scientist – US Credit Risk ML, Remote M/W F

Data Scientist - Credit

Senior Data Scientist: Open Banking Credit Risk & ML Production

Subscribe to Future Tech Insights for the latest jobs & insights, direct to your inbox.

By subscribing, you agree to our privacy policy and terms of service.

Industry Insights

Discover insightful articles, industry insights, expert tips, and curated resources.

How Many Data Science Tools Do You Need to Know to Get a Data Science Job?

If you’re trying to break into data science — or progress your career — it can feel like you are drowning in names: Python, R, TensorFlow, PyTorch, SQL, Spark, AWS, Scikit-learn, Jupyter, Tableau, Power BI…the list just keeps going. With every job advert listing a different combination of tools, many applicants fall into a trap: they try to learn everything. The result? Long tool lists that sound impressive — but little depth to back them up. Here’s the straight-talk version most hiring managers won’t explicitly tell you: 👉 You don’t need to know every data science tool to get hired. 👉 You need to know the right ones — deeply — and know how to use them to solve real problems. Tools matter, but only in service of outcomes. So how many data science tools do you actually need to know to get a job? For most job seekers, the answer is not “27” — it’s more like 8–12, thoughtfully chosen and well understood. This guide explains what employers really value, which tools are core, which are role-specific, and how to focus your toolbox so your CV and interviews shine.

What Hiring Managers Look for First in Data Science Job Applications (UK Guide)

If you’re applying for data science roles in the UK, it’s crucial to understand what hiring managers focus on before they dive into your full CV. In competitive markets, recruiters and hiring managers often make their first decisions in the first 10–20 seconds of scanning an application — and in data science, there are specific signals they look for first. Data science isn’t just about coding or statistics — it’s about producing insights, shipping models, collaborating with teams, and solving real business problems. This guide helps you understand exactly what hiring managers look for first in data science applications — and how to structure your CV, portfolio and cover letter so you leap to the top of the shortlist.

The Skills Gap in Data Science Jobs: What Universities Aren’t Teaching

Data science has become one of the most visible and sought-after careers in the UK technology market. From financial services and retail to healthcare, media, government and sport, organisations increasingly rely on data scientists to extract insight, guide decisions and build predictive models. Universities have responded quickly. Degrees in data science, analytics and artificial intelligence have expanded rapidly, and many computer science courses now include data-focused pathways. And yet, despite the volume of graduates entering the market, employers across the UK consistently report the same problem: Many data science candidates are not job-ready. Vacancies remain open. Hiring processes drag on. Candidates with impressive academic backgrounds fail interviews or struggle once hired. The issue is not intelligence or effort. It is a persistent skills gap between university education and real-world data science roles. This article explores that gap in depth: what universities teach well, what they often miss, why the gap exists, what employers actually want, and how jobseekers can bridge the divide to build successful careers in data science.