Senior Data Scientist - UK Cards

We are excited to be hiring a new Senior Data Scientist to join our Cards Data Science team.

Data Science sits at the heart of Lendable’s competitive advantage. Our proprietary machine learning models power underwriting, pricing, credit strategy and customer management decisions across millions of lending decisions.

This role will focus on our UK credit cards business, working across both acquisitions and customer management. You’ll work with large-scale, high-dimensional datasets to develop models and strategies that directly influence growth, risk and profitability.

The role combines deep quantitative work with product and commercial thinking. Successful candidates are excited by autonomy, solving difficult problems, moving quickly, experimenting rigorously and influencing strategy through data. We value intellectual curiosity and an interest in emerging machine learning techniques and their practical application.

As you grow in the role, there is significant flexibility to shape your trajectory — whether toward advanced modelling and research, commercial optimisation and strategy, or broader technical ownership.

Our team’s objectives

The Data Science team develops proprietary behavioural and underwriting models using state-of-the-art machine learning techniques and a diverse range of data sources.

Data scientists work closely with product, engineering, credit risk and commercial teams to identify opportunities, translate business problems into quantitative frameworks, and deliver solutions that materially improve business performance.

We operate with a high degree of ownership and autonomy. Data scientists are responsible not only for developing models, but also for deploying, monitoring and continuously improving them in production.

We value rigorous thinking, intellectual curiosity and fast execution. Research is important, but practical impact matters equally.

How you’ll impact those objectives

• Develop and deploy machine learning models that improve underwriting, pricing and customer management decisions.

• Work with large and complex datasets to generate insights that influence credit and commercial strategy.

• Take ownership of models and decision systems throughout their lifecycle, from research and development through production monitoring and iteration.

• Collaborate with stakeholders across the business to translate ambiguous problems into measurable outcomes.

• Contribute to the team’s technical knowledge through idea sharing, experimentation and continuous learning.

Key Skills

• Strong programming skills in Python and SQL.

• Understanding of statistics, machine learning and quantitative problem solving.

• Ability to approach ambiguous problems with structure and pragmatism.

• Curious, fast-moving and highly collaborative mindset.

Nice to have

• Interest in advanced machine learning techniques and applied research.

• Experience in credit risk, lending or broader financial services.

• Interest in machine learning infrastructure and optimisation.

The interview process

We’re not corporate, so we try our best to get things moving as quickly as possible. For this role, we’d expect:

• Recruiter call

• Take Home Task

• Technical Interview

• Case study

• Final interview