Data Scientist (Credit) - Car Finance
Core
Build and monitor credit scorecards and design lending strategies for new-to-UK and thin-file customers using bureau, Open Banking, and alternative data.
Role type
Senior IC credit data scientist
Builds
AI-powered lending platform and decision engine
Domain
Consumer finance / Credit risk
Deliverable
production ML models
Required skills
credit scorecard development, logistic regression, gradient boosting, Open Banking data integration, SQL, statistical analysis, commercial judgement
Preferred skills
motor finance experience, UK consumer credit regulation knowledge, LLM usage, Snowflake, Python
Technologies
Snowflake, Python, Open Banking
Responsibilities
Build and monitor application and behavioural scorecards; Design, test, and refine credit strategy (cut-offs, pricing, limits); Run experiments to validate policy and model changes; Explore new data sources and alternative signals; Support model governance and regulatory compliance; Collaborate with engineers to deploy models into production.
