Senior/Lead Data Scientist – Fintech Lending

Senior/Lead Data Scientist – Fintech Lending

London / Hybrid

We’re working with a London-based fintech lender looking to hire a commercially minded Senior/Lead Data Scientist to help drive better lending decisioning, pricing, customer understanding and broader business performance.

This is a strong opportunity for someone who enjoys solving real commercial problems with data and wants to work closely with senior leadership in a scaling fintech environment. The role sits closely with the CTO, CEO and Head of Operations, with real ownership across high-impact lending and operational challenges.

The business has already built strong underlying data foundations and is now looking for someone who can take that further — using data science, analytics and AI where appropriate to improve how decisions are made across the business.

The role will involve:

• Using data to improve lending and commercial decision-making

• Supporting pricing analysis and helping the business better understand customer value and portfolio performance

• Building insight-led solutions around customer behaviour, performance and profitability

• Improving lending decisioning, approval logic and broader internal processes through data and automation

• Applying strong traditional data science techniques, with scope to use AI tools / workflows where useful

• Working closely with senior leadership on business-critical problems

• Taking ownership of problems from idea through to practical solution

What they’re looking for:

• Around 3–5 years of commercial experience in Data Science / Decision Science / advanced analytics

• Strong Python skills

• Solid grounding in traditional data science, modelling and statistical thinking

• Experience working with modern data environments / warehouses

• Ability to work independently and operate as a genuine self-starter

• Strong communication skills and ability to work with senior stakeholders

• Commercial mindset — someone who enjoys solving business problems, not just technical ones

• Experience in fintech, lending, credit risk, underwriting, pricing, scorecards or broader financial services analytics would be highly beneficial

Ideal background:

This role would likely suit someone in their second or third move who has already built strong hands-on experience in a commercial environment. The ideal person will be technically strong, pragmatic, and excited by the chance to shape how data is used in a growing fintech lender.

Profiles from lending, credit risk, underwriting, pricing, portfolio analytics or decisioning environments are likely to be particularly relevant.

Why this role?

• Opportunity to work directly with senior leadership

• Chance to help shape the data science capability in a scaling business

• Real ownership and visibility

• Strong blend of commercial impact, technical challenge and autonomy

• Opportunity to work on meaningful problems in a data-rich fintech environment

If this sounds of interest, please apply or get in touch directly for a confidential conversation.