Data Scientist (Credit) - Car Finance

The role

You will build and monitor scorecards and design credit strategies. You will use bureau, Open Banking, and internal data to assess risk and improve lending decisions.

What you will do

• Build, validate and monitor application and behavioural scorecards
• Design, test and refine credit strategy including cut-offs, affordability rules, pricing tiers and limits
• Run experiments and champion/challenge tests to prove changes to policy and models
• Explore new data sources and alternative signals
• Support model governance and document builds
• Work with engineers to get models and rules into production

Required qualifications

• 2–5 years' experience in decision science or data science within consumer lending or another regulated financial services environment
• Hands-on experience developing or materially refining credit scorecards or risk models (logistic regression and/or gradient boosting)
• Experience working with Open Banking or other alternative data in credit decisioning
• SQL user
• Comfortable working with large, imperfect datasets
• A solid grounding in statistics
• Commercial judgement to translate model output into lending decisions
• Curiosity and ownership

Nice to have

• Motor finance or other secured lending experience
• Experience of working within a rapidly scaling lending environment
• Familiarity with UK consumer credit regulation
• Experience using LLMs to speed up analytical work
• Knowledge of Snowflake, Python, Claude, Linear, Notion

Benefits

• Bonus scheme designed to reward high performance
• Private medical insurance with Vitality
• Mental health support with Oliva
• Personal learning budget
• 2 dedicated L&D days a year
• Monthly flexible benefits budget
• 25 days holiday plus bank holidays
• 4 weeks Work From Anywhere per year

Before you apply

• We are not able to offer visa sponsorship for this position

About the company

Marshmallow is a financial services provider that has grown to over 700 people and achieved unicorn status. The company aims to become one of the largest financial services providers in the world.