Graduate Data Scientist

Requirements

• You believe that learning is the most important thing to optimise for as you start your career, and want to learn by doing at the fastest growing fintech in London
• You like getting your hands dirty and using tech to solving complex problems
• You also want to learn about the commercial impact of any technical changes you make
• A recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Data Science, Statistics, Mathematics, Engineering, Economics)
• Programming: Proficiency in Python or similar languages
• Genuine interest in financial technology and how AI can solve real-world problems
• Strong communication skills and ability to work in cross-functional teams

What the job involves

• We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people
• While traditional lenders rely almost entirely on credit scores, we look at the full financial picture – how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer’s unique financial situation
• And we’ve shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance – for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch
• Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC)
• Now, we’re expanding into new markets and product lines – and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us
• Our Data Science team works across our entire business, from new products, to core credit decisioning, to user acquisition
• You’ll get exposure to a wide range of projects, such as:
• AI & Machine Learning Development: work directly on our proprietary loan decision platform, Render, contributing to the transformer models that allow us to outperform the market in loan performance
• Open Banking Integrations and Classification: enhancing how we transform noisy, real-time transaction data into automated lending decisions
• Product Development: participate in rapid feature development cycles, with direct impact on customer experience and business outcomes
• Bi-annual technical reviews and career progression planning
• Cross-functional exposure to risk, compliance, underwriting and product teams
• Meaningful, high-impact work from day one
• Learn from experienced data scientists, engineers, and product leaders in a flat, fast-paced team
• A chance to shape the future of credit using the latest tools in data and machine learning
• A collaborative, diverse, flexible culture that values growth, ownership, and doing the right thing for our customers
• Position yourself at the forefront of the financial services revolution
• Exceptional promotion opportunities from rapid company growth

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