Senior Credit Risk Data Scientist at Wayflyer | London

Join Wayflyer as a Senior Credit Risk Data Scientist and play a pivotal role in shaping the future of financial technology. In this position, you will leverage your expertise in data science to analyze credit risk and contribute to innovative solutions that empower businesses. Collaborate with a dynamic team, utilizing advanced statistical methods and machine learning techniques to provide actionable insights and drive strategic decision-making.

Company MissionOur mission is to provide global access to exceptional products by empowering outstanding businesses to achieve their growth potential. About WayflyerIn today's fast-paced world, small and medium-sized businesses (SMBs) require a financing partner that can match their growth ambitions. Traditional funding sources can be slow and inaccessible, which is why we created Wayflyer.Our innovative technology enables us to evaluate businesses within minutes, generate tailored financing options that align with their growth potential, and disburse funds in as little as 24 hours.Since our inception in April 2020, we have successfully deployed over $5 billion to thousands of brands globally, supported by leading financial institutions like J.P. Morgan. We have become a reliable financing partner for remarkable brands, including True Classic, Little Words Project, and Kekoa Foods.At Wayflyer, our teams are genuinely cross-functional. You will collaborate with ambitious colleagues from around the globe, all working together to seize a significant opportunity. Watch this video to hear directly from our team members. Culture & Values at WayflyerWe pride ourselves on being sound individuals, exceptional operators, and ambitious overachievers. Together, we uphold integrity, creativity, and bold optimism to achieve outstanding results. For more information, please visit our website. Your Role Overview: Key contributions you will make to the teamConduct comprehensive analysis of financial and non-financial data of both new and existing customers to gain insights into their business operations.Identify and assess the risks associated with operating an eCommerce business and with Wayflyer's funding support for such entities.Facilitate and assist in coordinating regular discussions with our customers to deepen our understanding of their business needs and funding objectives.Collaborate closely with management to develop and implement necessary strategies for business growth.

Role Overview:Join the dynamic team at Brook Green Supply, a leading independent B2B energy supply company based in London. As a Senior Credit Risk Analyst, you will be part of a seasoned team committed to fostering growth and success within the energy sector. This role presents an excellent opportunity for a motivated and adaptable professional looking to advance their career in an innovative environment.In this pivotal position within the Credit Risk team under the Commercial department, you will collaborate with internal account managers, coordinators, and trading desk members, as well as external clients and credit stakeholders. Your focus will be on evaluating data and contracts, managing counterparty credit risks associated with physical power and gas supply, and supporting sustainable business growth through effective credit management practices.Your responsibilities will include managing complex credit exposures and collateral arrangements, and shaping reporting and risk-mitigation frameworks to enhance overall operational efficiency.

About LendableLendable is dedicated to revolutionizing technology that empowers individuals to access credit and save money. We are rapidly establishing ourselves as one of the foremost fintech companies globally, achieving remarkable milestones:Recognized as one of the UK's newest unicorns with a vibrant team of over 700 innovators.Ranked among the fastest-growing tech enterprises in the UK.Profitable since 2017.Supported by esteemed investors, including Balderton Capital and Goldman Sachs.Highly rated by customers, boasting a 4.9-star rating across thousands of reviews on Trustpilot.To date, we have redefined the Big Three consumer finance products: loans, credit cards, and car finance. Our innovative approach allows us to deliver funds to our customers in minutes rather than days.As we continue to expand, we are targeting the two largest Western markets (UK and US), which hold trillions of dollars in financial products managed by legacy banks with outdated systems and cumbersome processes.Join Us If You Want ToTake ownership of a diverse range of responsibilities, making impactful decisions that shape the future of Lendable from day one.Collaborate in small teams of exceptional talent, consistently finding smarter solutions to complex challenges.Develop cutting-edge technology in-house, leveraging new data sources, machine learning, and AI to streamline processes.About the RoleWe are thrilled to announce an opening for a Senior Data Scientist to join our team! This role is ideal for individuals with a strong background in building predictive models, particularly in credit, lending, or related financial services sectors. As a leader in real rate risk-based pricing, Lendable provides consumers with unparalleled transparency and assurance at the application stage. Data Science is central to our unique selling proposition, as we develop credit risk models to underwrite loan and credit card offerings.You will have the opportunity to work with the latest machine learning techniques and access a wealth of rich data resources to drive our analytics efforts forward.

About LendableLendable is on a mission to develop cutting-edge technology designed to empower individuals to access credit and save money effectively. As one of the UK's emerging fintech leaders, we have achieved remarkable milestones:Recognized as one of the UK’s newest unicorns with a dedicated team of over 700 professionals.Ranked among the fastest-growing technology companies in the UK.Achieved profitability since 2017.Supported by prestigious investors such as Balderton Capital and Goldman Sachs.Praised by customers, boasting exceptional ratings (4.9 out of 5 based on thousands of reviews on Trustpilot).We have revolutionized the Big Three consumer finance products—loans, credit cards, and car finance—enabling our customers to receive funds within minutes, not days.Our growth trajectory is impressive, with ambitious plans to penetrate the two largest Western markets, the UK and the US, where traditional banks offer outdated financial products and cumbersome processes.Join Us if You Want ToTake ownership across a diverse range of responsibilities, making impactful decisions from day one that influence Lendable's success.Collaborate with exceptional teams, known for their resourcefulness in problem-solving and innovation.Develop cutting-edge technology in-house, leveraging new data sources, machine learning, and AI to optimize our operations.About The RoleWe are seeking a detail-oriented Senior Credit Risk Analyst to drive meaningful enhancements in our consumer finance products within the UK or US markets. This position is perfect for an individual who is data-savvy, proficient in coding, and passionate about tackling complex challenges.As part of a collaborative and ambitious team, your contributions will directly influence strategic decisions and elevate our portfolio's performance.

Role overview Wise is looking for a Senior Credit Risk Manager to lead credit risk assessment strategies in London. This role shapes how Wise manages credit risk and strengthens the company’s risk management practices. What you will do Analyze credit data to identify trends and potential risks Develop and refine risk models for Wise’s credit portfolio Guide initiatives that improve the credit risk framework Work closely with teams across the business to share insights and support decision making Help shape credit policies and risk management approaches What we’re looking for Strong analytical skills with experience working with complex datasets Ability to communicate clearly with cross-functional teams Proactive approach to identifying and managing credit risk Experience developing credit risk models and strategies

About LendableLendable is on an ambitious journey to create the world's leading technology for enabling access to credit and facilitating savings. We are rapidly emerging as one of the foremost fintech firms globally, with a remarkable trajectory:Recognized as one of the UK's newest unicorns, our talented team exceeds 700 individuals.We are among the fastest-growing tech companies in the UK.Achieved profitability since 2017.Supported by prestigious investors such as Balderton Capital and Goldman Sachs.Adored by customers, boasting top reviews (4.9 stars across thousands of reviews on Trustpilot).To date, we have reimagined the Big Three consumer finance products from the ground up: loans, credit cards, and car finance. Our innovative approach ensures that customers receive funds within minutes instead of days.With our rapid growth, we are poised to tackle the two largest Western markets (UK and US), where vast financial assets are managed by traditional banks with outdated systems and cumbersome processes.Why Join Us?Embrace ownership across diverse responsibilities. From day one, you will have the autonomy to make impactful decisions that shape Lendable's success.Collaborate with exceptional teams who are committed to resourcefulness in solving problems and developing innovative solutions.Develop cutting-edge technology in-house, utilizing advanced data sources, machine learning, and AI to optimize our processes.About the RoleWe are thrilled to welcome a new Data Scientist to our dynamic team! As a leader in real rate risk-based pricing, Lendable provides consumers with clear insights and product assurance during the application process. Data Science is integral to this unique selling proposition, crafting robust credit risk models for our loan and credit card offerings.You will leverage the latest machine learning methodologies alongside a comprehensive data repository to construct market-leading risk models.

Role Overview M-KOPA is hiring a Data Scientist focused on Credit Eligibility, based in London. This role centers on developing predictive models that shape loan eligibility and pricing for millions of customers across five African markets. The work directly supports M-KOPA’s mission to expand financial access and improve lending strategies at scale. Why This Role Matters M-KOPA has enabled over 7 million customers to access credit, distributing more than $2 billion in loans and processing upwards of 1.5 million payments each day. The models and insights produced in this role help underserved individuals secure credit, often for the first time, and contribute to a broader mission of financial inclusion. What Makes M-KOPA Stand Out Mission-driven data science: Build credit scoring and pricing models that expand financial access for customers outside traditional lending systems. Industry recognition: M-KOPA has been named to the TIME 100 list of most influential companies and recognized by the Financial Times as Africa's fastest-growing company for four years running (2022–2025). Scale and complexity: Work with large-scale repayment datasets from five African countries, designing machine learning models that balance growth and credit risk. Environmental commitment: Support a carbon-negative mission, with over 2.1 million tonnes of emissions displaced to date. What You Will Do Design, build, and refine predictive models that drive lending strategy, credit scoring, and pricing optimization. Collaborate with a small, high-performing team to take ownership of model development and deployment. Work cross-functionally with engineers, analysts, growth managers, and commercial stakeholders across multiple countries.

Role overview M-KOPA is looking for a Senior Data Scientist - Credit Eligibility to join its Credit & Underwriting team. This fully remote position is based in London. The focus is on developing and refining machine learning models that guide loan eligibility and pricing decisions across five African markets. Team members work closely together, and the models built here have a direct impact on lending strategies for millions of customers. Impact at scale The credit models created in this role help millions of underserved people gain access to credit, often for the first time. M-KOPA has enabled over 7 million customers to secure more than $2 billion in credit, with more than 1.5 million payments processed daily. The work supports a mission that is changing lives across Africa. Why join M-KOPA? Mission-driven data science: Build credit scoring and pricing models to expand financial access for people who are often excluded from traditional lending. Global recognition: M-KOPA is listed on the TIME 100 as one of the world’s most influential companies and has been named Africa’s fastest-growing business by the Financial Times every year from 2022 to 2025. Technical scale: Work with large-scale repayment data from multiple markets, developing models that balance growth with credit risk management. Environmental commitment: The company is carbon-negative, having offset more than 2.1 million tonnes of emissions. What you will do Design, build, and enhance machine learning and credit risk models that support M-KOPA’s lending strategies. Take responsibility for credit scoring, loan eligibility, and pricing optimization as part of a focused, high-performing team.

m-kopa is hiring a Senior Analyst - Credit Risk & Eligibility in London. This position centers on analyzing credit risk and evaluating eligibility for the company’s financial products. Role overview This role focuses on assessing credit risk and supporting the development of credit assessment processes. The Senior Analyst will help refine how eligibility is determined, contributing to improvements that support m-kopa’s goal of expanding access to financial solutions. Key responsibilities Analyze credit risk for a range of financial products. Evaluate eligibility criteria and recommend process enhancements. Support ongoing improvements in credit assessment methods. Impact This work directly supports m-kopa’s mission to provide financial access in underserved markets. The Senior Analyst’s insights will help shape the company’s future approach to credit risk and eligibility.

Join our dynamic team at Intercom as a Senior Data Scientist, where you will leverage your analytical expertise to drive data-driven decisions and contribute to our innovative product development. In this role, you will collaborate with cross-functional teams to build models that enhance user experiences and optimize our services.

About Clear Street:At Clear Street, our mission is to empower every sophisticated investor with access to every asset across all markets through a single, high-speed platform designed for transparency and scalability.We equip our clients with cutting-edge technology, tools, and services that were once exclusive to the largest institutions, all reimagined on modern infrastructure. Our comprehensive, cloud-native capital markets platform is not only driving investor growth today but is also revolutionizing how they will engage with markets in the future.For further details, please visit https://clearstreet.io.

At Kroo Lending, we empower our customers to achieve their life milestones through responsible borrowing. Whether it’s acquiring a cargo bike for family commutes or replacing an aging boiler, our mission is to provide the support needed for both joyful and practical purchases. Our focus on credit analytics, decision-making, and operational efficiency is central to our ability to offer tailored lending solutions and sustainably grow our business. We have successfully introduced familiar products like overdrafts and unsecured personal loans, and we're excited to scale these offerings.As a bank and a startup, Kroo blends the best of both worlds to create trusted and beloved financial products. Our goal is to enhance the relationship individuals have with their finances, ultimately granting them greater independence and control.The Credit Risk Analyst plays a key role in assessing credit risk, contributing to lending decisions, and monitoring the performance of our unsecured loan portfolio. This position merges fundamental credit risk principles with data-driven analysis, enabling fair, sustainable, and scalable lending in a digital-first environment.Your Contributions:Assist in the development and continuous improvement of credit decisioning rules, scorecards, and underwriting processes aligned with the Bank's risk appetite and strategic objectives.Analyze decisioning engine performance and contribute to the refinement of scorecards, rules, and affordability models.Collaborate with data and product teams to test new data sources and models, including engaging in controlled experiments such as A/B testing.Support pricing analysis by monitoring lending offer performance across various customer segments.Participate in affordability assessments, leveraging Open Banking data to gain insights into customer circumstances and identify potential vulnerability indicators.Monitor key portfolio performance metrics such as arrears, delinquency trends, and cohort behavior, identifying insights and potential risks.Assist in updating credit policies, procedures, and risk appetite frameworks within the lending team.Provide input into product and customer journey enhancements, ensuring credit risk factors are adequately reflected.Contribute to the continuous enhancement of digital onboarding and underwriting processes through data analysis and user feedback.

About LendableLendable is dedicated to revolutionizing the way people access credit and save money. As one of the fastest-growing fintech companies globally, we have achieved remarkable milestones:Recognized as one of the UK’s newest unicorns with a talented team of over 700 professionals.Consistently ranked among the top tech companies in the UK.Achieved profitability since 2017.Supported by leading investors including Balderton Capital and Goldman Sachs.Highly rated by customers, boasting a 4.9 rating across thousands of reviews on Trustpilot.We have successfully rebuilt the main consumer finance products from the ground up: loans, credit cards, and car financing, enabling our customers to access funds in mere minutes.Our ambitious growth plan involves targeting the two largest Western markets, the UK and the US, where outdated systems and cumbersome processes prevail in the financial sector.Why Join Us?Take Ownership: You will be empowered to make impactful decisions that shape the future of Lendable from your very first day.Collaborate with Exceptional Talent: Work in small teams filled with resourceful individuals dedicated to innovative problem-solving.Develop Cutting-Edge Technology: Leverage new data sources, machine learning, and AI to streamline operations and enhance efficiency.About The RoleWe are seeking a data-savvy Credit Risk Manager to lead a team of analysts and spearhead transformative initiatives in our consumer finance products across the UK and US markets. This opportunity is perfect for someone who is confident in data analysis, comfortable with coding, and eager to tackle complex challenges.As part of our dynamic and forward-thinking organization, you will find that your contributions are valued and encouraged, with minimal bureaucracy to hinder your creativity and innovation.

Join abound as the Head of Credit Risk, where you will lead our efforts in risk management, ensuring the financial stability of our lending processes. You will be responsible for developing robust credit risk policies, analyzing credit data, and implementing risk assessment frameworks. Work closely with cross-functional teams to enhance our risk mitigation strategies and drive continuous improvement initiatives.

Role OverviewEnhance the Group’s credit and counterparty risk frameworks through thorough credit analysis, vigilant portfolio oversight, and data-driven management information (MI), facilitating sound limit governance and proactive insights across various entities.Key ResponsibilitiesCredit Analysis & Reviews: Spearhead assessments of counterparties and clients; maintain detailed credit memorandums and conduct regular reviews; monitor evolving conditions and ensure timely follow-ups.Exposure, Concentration & Limits Monitoring: Generate and analyze insights on credit exposures, limit usage, concentration levels, and exceptions; recommend escalations supported by thorough analysis.Credit MI & Dashboards: Develop and oversee comprehensive credit reporting packages (including trend commentary, watchlists, and change drivers); collaborate with Quant/Data Engineers for automation and standardization.Stress/Scenario Inputs: Provide input for credit-focused scenarios, conduct sensitivity analyses, and investigate significant changes.Data Discipline: Ensure consistent definitions of exposure measures, limit logic, and entity mapping; document any methodological changes.Governance Support: Prepare materials for ALCO and credit governance meetings, ensuring clear tracking of actions and closure evidence.Key DeliverablesCredit watchlist and periodic review timetableCredit exposure and limits management information with narrative and exceptionsCredit memorandums and review notes along with a conditions trackerAutomated credit dashboards (where feasible) and definitions documentationSuccess MetricsImproved quality of assessment-driven credit decisions with robust evidenceMinimized limit surprises; enhanced early-warning capabilitiesReduced manual reporting; improved data consistency across entitiesBenefitsCompetitive salary, Annual bonus, Private medical coverage

Join ravio as a Senior Data Scientist and lead innovative projects to harness the potential of big data. You will work closely with cross-functional teams to extract valuable insights, develop predictive models, and enhance data-driven decision-making processes. This role offers an exciting opportunity to impact our data strategy and drive meaningful change.

Join Entain, a global leader in sports betting and gaming entertainment, as a Senior Data Scientist. In this pivotal role, you will leverage cutting-edge analytics and machine learning techniques to drive data-driven decisions that enhance our customer experience and optimize business operations.Your expertise will be critical in developing predictive models, conducting complex data analyses, and collaborating with cross-functional teams to implement data strategies that support our ambitious growth objectives.

Why Join Faculty?Founded in 2014, Faculty is at the forefront of artificial intelligence, believing it to be the defining technology of our era. With a proven track record, we have partnered with over 350 global clients to enhance their performance through human-centric AI solutions. Discover our impact here.We prioritize genuine innovation over fleeting trends. Our commitment to responsible AI enables us to deliver solutions that drive significant results. Our extensive expertise spans across various sectors, including government, finance, retail, energy, life sciences, and defense.As our business continues to expand rapidly, we seek individuals who possess intellectual curiosity and a passion for leveraging technology to create a lasting positive impact.Join us in harnessing the power of AI to redefine its applications and make a tangible difference.About Our TeamThe Frontier TM product represents our bold ambition to create an enterprise-grade platform that integrates decision intelligence and AI Agents, optimizing critical processes in large organizations. You will tackle complex challenges within the real economy, focusing especially on healthcare and life sciences.Your RoleAs a Senior Data Scientist on the Frontier team, you will shape the future of our Decision Intelligence Platform by developing AI-powered digital twins that enhance organizational decision-making. This entrepreneurial role involves solving intricate problems while enabling enterprise users to leverage state-of-the-art AI technologies. You will combine scientific rigor with a business-oriented mindset to advance our AI Agent and Decision Hub capabilities.Key Responsibilities:Designing and Building: Create agents for high-stakes environments, ensuring that outputs meet rigorous validation standards.Data Analysis: Conduct exploratory data analysis, model development, validation, and performance monitoring.Leadership: Guide data science initiatives within cross-functional delivery teams, collaborating with engineers, designers, and business stakeholders.

Why Join Faculty?Founded in 2014, Faculty believes that AI is the defining technology of our era. We have successfully partnered with over 350 global clients to enhance performance through human-centric AI solutions. Discover our real-world impact here.We prioritize innovation over hype, focusing on creating and implementing responsible AI that truly makes a difference. Our extensive expertise spans various sectors, including government, finance, retail, energy, life sciences, and defense.As our business and reputation continue to expand rapidly, we are eager to recruit individuals who are intellectually curious and passionate about building a positive legacy through technology.Join us in leveraging AI’s transformative power to revolutionize decision-making processes in critical fields.About the TeamThe Faculty Frontier™ product represents our ambitious goal of developing the first enterprise-grade platform that integrates decision intelligence with AI agents to optimize key processes in large organizations. You will tackle complex challenges with a focus on healthcare and life sciences.Role OverviewAs a Senior Data Scientist, you will play a pivotal role in shaping our Frontier Decision Intelligence Platform. You will lead the design and implementation of AI-powered digital twins that redefine organizational decision-making. Working within cross-functional teams, you will blend technical prowess with commercial insight to address intricate customer challenges. This is also an opportunity to mentor emerging talent while delivering impactful, production-grade AI solutions in a dynamic and entrepreneurial setting.