Senior Data Scientist

Lendable Ltd; London; Hybrid; GBP 45,000 - 80,000; Full time

Job description

About Lendable

Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. We're building one of the world's leading fintech companies and are off to a strong start:

• One of the UK's newest unicorns with a team of just over 500 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we've rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers' hands in minutes instead of days.

We're growing fast, and there's a lot more to do: we're going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the role

Lendable is the market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science sits at the heart of this USP, developing the credit risk models to underwrite loan and credit card products.

You will have access to the latest machine learning techniques combined with a rich data repository to deliver best in market risk models.

Our team's objectives

The data science team develops proprietary risk models which are core to the company's success. We work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions. We self-serve with all deployment and monitoring, without a separate machine-learning-engineering team.

How you'll impact these objectives

• Learn the domain of products that Lendable serves, understanding the data that informs strategy and risk modelling is essential to being able to successfully contribute value.
• Rigorously search for the best models that enhance underwriting quality.
• Clearly communicate results to stakeholders through verbal and written communication.
• Share ideas with the wider team, learn from and contribute to the body of knowledge.

What we're looking for

• Experience using Python
• Knowledge of the credit industry, including the products, data, typical ML applications
• Knowledge of machine learning techniques and their respective pros and cons.
• Confident communicator and contributes effectively within a team environment
• Self driven and willing to lead on projects / new initiatives

Nice to have's

• Interest in machine learning engineering
• Strong SQL and interest in data engineering
• We're not corporate, so we try our best to get things moving as quickly as possible.

For this role we'd expect:

• Initial call with TA Team
• Take home task
• Task debrief interview
• Case study interview
• Final interviews; Meet the team you'll work with daily, meet Head of Data Science and Chief Risk Officer.

Life at Lendable

• The opportunity to scale up one of the world's most successful fintech companies.
• Best-in-class compensation, including equity.
• You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.
• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
• We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance
• We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

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