iwoca.co.uk - Data Scientist - iwocaPay Credit Risk Modelling
Requirements
• Statistical foundations. You have a background in probability and statistics from a quantitative field – typically a degree or Master's in Statistics, Mathematics, Physics, Engineering, or similar. You reason about uncertainty and calibration as first-order concerns. • Production ML. You have built supervised ML models on tabular data end to end – exploration, training, deployment, and monitoring. • Ownership. You work well in a small, early-stage team where priorities move quickly. You build what you need as you go, and take loosely defined problems from framing to a landed decision. • Judgement. You know when a model is good enough to go live, and when it needs more work. You critically evaluate model output – yours, a colleague's, or an LLM's – and can explain why a choice is right. • AI leverage. You've used AI to produce work you couldn't have delivered without it – a modelling pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't. • Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in product, risk, and leadership. • Domain experience. You have worked in credit risk modelling or lending. • Non-linear methods. You have used gradient boosting or neural networks on tabular data in production. • Combining datasets. You have used transfer learning, domain adaptation, or similar methods on data sources of different size and relevance. • Data engineering. You have built data pipelines and managed datasets alongside your modelling work. • Coding. You can write code for analysis. The squad works in Python.
Benefits
• We expect to pay from £60,000 to £80,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. • At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. • We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. • We put a lot of effort into making iwoca a great place to work: • Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. • Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. • Flexible working hours. • Medical insurance from Vitality, including discounted gym membership. • A private GP service (separate from Vitality) for you, your partner, and your dependents. • 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. • A one-month, fully paid sabbatical after four years. • Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. • 3% Pension contributions on total earnings. • An employee equity incentive scheme. • Generous parental leave and a nursery tax benefit scheme to help you save money. • Electric car scheme and cycle to work scheme. • Two company retreats a year: we’ve been to France, Italy, Spain, and further afield. • And to make sure we all keep learning, we offer: • A learning and development budget for everyone. • Company-wide talks with internal and external speakers. • Access to learning platforms like Treehouse. • iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk • Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap
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