Data Scientist (Credit) - Car Finance

London · 2-5 years experience · Full-time · Hybrid · Posted Oct 9, 2026

At a glance

The Data Scientist (Credit) will sit at the heart of the lending process, determining who the company lends to and at what price. This role bridges the gap between traditional credit analysis and data science, focusing on building scorecards and credit strategies for customers who are new to the UK.

Build, validate, and monitor application and behavioural scorecards using bureau, Open Banking, and internal data.
Design, test, and refine credit strategies including cut-offs, affordability rules, pricing tiers, and limits.
Run experiments and champion/challenge tests to validate policy and model changes.
Explore new data sources and alternative signals for use in decisioning.
Support model governance, including documentation and ensuring compliance with Consumer Duty, CONC, and model risk obligations.
Collaborate with engineers to deploy models and rules into production.
Use AI tooling to improve team efficiency.

2–5 years' experience in decision science or data science within consumer lending or a regulated financial services environment.
Hands-on experience developing or refining credit scorecards or risk models (logistic regression and/or gradient boosting).
Practical experience with sample design, binning, reject inference, validation, and monitoring.
Experience working with Open Banking or other alternative data in credit decisioning.
Proficiency in SQL and experience working with large, imperfect datasets.
Solid grounding in statistics.
Commercial judgement to translate model outputs into lending decisions and explain trade-offs to non-technical audiences.