iwoca.co.uk - Data Scientist - Credit Cards
Requirements
• Statistical foundations. You have a background in probability and statistics from a quantitative field. You reason about uncertainty and calibration as first-order concerns. • Bayesian reasoning. You've used priors, updating, and hierarchical models in real work. You know when a Bayesian model is worth the extra complexity, and when something simpler will do. • Analytical ownership. You've taken loosely defined problems from framing the question to a decision the business acted on. • Business curiosity. You've used what you learnt about a business's customers and economics to shape your analysis. • AI leverage. You've used AI to produce work you couldn't have delivered without it – a prototype, an automation, or a modelling pipeline others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it. • Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles. • Lending experience. You've worked on credit risk, pricing, or customer lifetime value in lending or financial services. • Small-sample modelling. You've worked with scarce data and made principled choices about regularisation or sequential updating. • Production machine learning. You've taken models from exploration through to deployment and monitoring. • Coding in Python. The team works in Python and you’ll write analyses and code in that language.
Benefits
• We expect to pay from £80,000 to £100,000 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
Apply in one click
Upload My Resume
Drop here or click to browse · Tap to choose · PDF, DOCX, DOC, RTF, TXT