BANKING
DATA RECRUITMENT

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Data Scientist – Credit Risk
£55-65,000
London

THE COMPANY

This business are a dynamic and fast-paced lender and are seeking a driven and experienced individual to join their team in building out their predictive models using cutting-edge Machine Learning techniques. This role is an opportunity for someone to be part of a successful company which is continuing to grow whilst driving impact in your work at the forefront of the market.

THE ROLE

• Work across a range of credit models within the business, predominantly scorecards and broader decisioning models
• Using innovative machine learning techniques to further enhance the model suite and drive profitability across the business
• Own the deployment and implementation of predictive models across the product suite
• Working closely with the Credit and Product teams to enhance performance and profitability across the business by collaborating on strategies and model enhancements

YOUR SKILLS AND EXPERIENCE:

• Essential to have experience developing predictive models, ideally within credit risk
• SQL and Python experience is essential
• Essential to have experience using Machine Learning techniques to develop non-linear models
• Experience in a fast-paced environment and ability to work across multiple projects, in a FinTech

SALARY AND BENEFITS

• Base salary from £55-65,000
• Company pension scheme
• Private medical care
• Equity scheme

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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PRICING ANALYST

UP TO £60,000 + Discretionary Bonus

LONDON

HYBRID WORKING POLICY – 3 DAYS A WEEK IN OFFICE

Are you looking to work at a successful fintech? Become a pricing analyst, building NPV models and developing pricing strategy. This is a hands-on role for someone who enjoys working with data, programming, and turning analysis into commercial decisions that improve customer outcomes and portfolio performance. If you like owning your work, building strong data foundations, and learning fast in a high-impact environment, this role will give you exposure across pricing, unit economics, and portfolio strategy.

THE COMPANY

This UK‑based fintech lender provides simple, digital finance solutions, helping customers secure loans and get pre‑approved online without impacting their credit score. The company uses technology and dealer partnerships to streamline the car‑buying journey, matching customers with vehicles and flexible finance options in a fast, user‑friendly process.

THE ROLE

As a Pricing Analyst you will work closely with colleagues across Commercial, Product, Data Science, and Engineering. You will develop and manage deterministic pricing strategies and decision rules that support responsible lending and strong originations performance.

Specifically, you can expect to be involved in the following:

• Analyse data and build pricing strategies to improve profitability, customer outcomes, and portfolio performance.
• Monitor, test, and optimise pricing models, using data insights to recommend commercial decisions.
• Run experiments (e.g. A/B testing) and scenario analyses to evaluate how pricing performs under different conditions.
• Develop financial and unit economics models to assess performance across different products, segments, and channels.
• Collaborate with cross-functional teams to translate complex analysis into clear, actionable recommendations for stakeholders.

SKILLS AND EXPERIENCE

The successful pricing analyst will have the following skills and experience:

• 2-4 years of experience in pricing, credit risk or consumer finance analytics
• Strong statistical modelling skills
• Confidence in creating reliable reusable analytical code and working with version control
• Proficiency in Python and SQL

BENEFITS

The successful pricing analyst will receive a salary up to £60,000 as well as a discretionary bonus.

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ANALYTICS MANAGER

UP TO £70,000 + BENEFITS

LONDON AND OTHER LOCATIONS

REMOTE WORKING POLICY – ONCE A WEEK IN OFFICE

Are you looking to work at one of the best insurance companies in the UK? Become a Manager, analysing how pricing decisions play out across the live portfolio and whether customer segments are delivering as intended. Use loss‑ratio led insights to steer risk selection, challenge pricing intent, and influence how millions of customers are priced across a digital‑first insurer.

THE COMPANY

This digital‑first general insurer serves millions of UK customers across personal lines products, with technology and analytics at the core of how decisions are made. The business has seen strong, profitable growth and significant headcount expansion in recent years, backed by sustained investment in advanced data science and pricing capability.

THE ROLE

As an Analytics Manager you will monitor how each modelled customer segments are performing and decide whether the actual outcome matches the pricing intent.

Specifically, you can expect to be involved in the following:

• Using loss ratio led analytics to assess whether each segment is delivering against pricing intent and remains commercially viable.
• Validating whether cohorts should remain open, be repriced, constrained or redesigned to prevent emerging portfolio risks
• Providing clear evidence-based recommendations to modelling and pricing teams to refine strategies and models.
• Defining problems, coordinating across pricing, data science, underwriting and governance, and recommending portfolio actions to leadership.
• Challenging pricing decisions where necessary and maintaining alignment with FCA expectations and internal standards.

SKILLS AND EXPERIENCE

The successful Analytics Manager will have the following skills and experience:

• 3-5 years of experience
• Insurance experience from consumer/personal lines insurers
• Pricing, underwriting or portfolio analytics experience
• Proficiency in Python or SQL

BENEFITS

The successful Analytics Manager will receive a salary up to £70,000 as well as a comprehensive benefits package.

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Credit Risk Strategy Analyst

Sponsorship Available

Salary
£60,000-£75,000 plus bonus

Location + work pattern
London (hybrid working, 2-3 days per week in the office)

THE COMPANY

• A well‑established UK consumer finance business operating across multiple lending and savings products.
• Known for strong technical infrastructure, advanced analytics and a transparent, customer‑focused approach.
• Long track record of developing high‑performing credit risk professionals within the UK market.

THE ROLE

This is a core credit risk and commercial strategy role, taking ownership of a specific product area within a wider credit risk function. You will work closely with senior stakeholders to drive data‑led decisions across the customer lifecycle.
Specifically, you can expect to be involved in:

• Owning and developing credit risk strategy for a defined lending product.
• Using SQL and Python to analyse performance, identify trends and recommend actions.
• Supporting commercial decision‑making through robust, insight‑driven analysis.
• Communicating findings clearly to both technical and non‑technical stakeholders.

YOUR SKILLS AND EXPERIENCE

• Proven experience within credit risk strategy in a consumer lending environment.
• STEM degree from a Russel Group University is important
• Strong capability in SQL for data extraction and analysis.
• Working knowledge of Python for analytical and modelling tasks.
• Ability to structure problems clearly and communicate your approach and conclusions effectively.

THE BENEFITS

• Competitive base salary with performance‑related bonus.
• Hybrid working model with flexibility across the week.
• Opportunity to work alongside experienced credit risk leaders and analysts.
• Strong platform for long‑term career development within UK lending and risk.

THE PROCESS

• Initial case‑study interview assessing quantitative, conceptual and communication skills.
• Technical assessment focused on SQL or Python, completed remotely.
• Final in‑person stage including a credit case study, values discussion and Q&A.

HOW TO APPLY

Please register your interest via the apply link on this page.

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AI Consultant

Salary
£75,000-£90,000

Location + work pattern
Offices in the north and south of the UK | Hybrid working (3 days per week in the office)

THE COMPANY

This organisation operates as a major UK Credit company supporting businesses across financial services and other consumer-focused sectors to make more informed decisions. Data, analytics and modelling sit at the core of what they do, with a strong focus on responsible and innovative use of advanced analytics.
They are continuing to grow a specialist AI capability within their wider Data & Analytics function to develop next-generation solutions.

THE ROLE

This is a senior consultant-level role within a dedicated AI Lab, focused on applying AI and advanced modelling techniques to real-world client and product challenges. You will work on a broad range of projects, combining hands-on model development with research and innovation.
Specifically, you can expect to be involved in:

• Developing and enhancing AI and machine learning models to support lending and credit decisioning.
• Applying techniques such as scorecards, ML models and emerging AI approaches, including LLMs.
• Researching and prototyping new AI-driven solutions for business and product use cases.
• Working closely with data, analytics and stakeholder teams to translate problems into analytical solutions.
• Communicating complex analytical outputs clearly to non-technical audiences.

YOUR SKILLS AND EXPERIENCE

• Strong background in credit risk modelling within a bank, fintech, or similar regulated lending environment.
• Hands-on experience developing statistical or machine learning models, such as scorecards or predictive models.
• Practical exposure to AI or ML techniques, for example chatbots, LLMs, or advanced ML approaches.
• Solid programming capability in Python and SQL.
• Ability to approach problems analytically and contribute to research-driven projects.

THE BENEFITS

• Opportunity to join a growing AI function working on innovative, high-impact projects.
• Exposure to a wide variety of industries and problem types.
• Strong organisational culture with long-term career development opportunities.
• Competitive salary and benefits package.

THE PROCESS

• Initial interview covering experience, motivations and technical understanding.
• In-person technical and competency stage, including a presentation, coding exercise and discussion.
• Offer

HOW TO APPLY

Please register your interest via the apply link on this page.

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AI Consultant

Leeds or Nottingham | Hybrid working (3 days in office, Tuesday to Thursday)

The Company
They are a well established organisation operating at the centre of data driven decision making, supporting businesses to make more accurate and responsible choices. With access to large, complex datasets, they play a critical role in enabling better outcomes across financial services and beyond. The AI Lab is a newer function within the wider Data and Analytics group, created to accelerate innovation and integrate AI more deeply into products and client work. The culture is collaborative, stable and long term focused, with strong investment in people.

The Role

• Design, develop and enhance AI and machine learning models to support lending and credit decisioning.
• Work on a wide range of AI initiatives including predictive modelling, scorecards, chatbots and transformer based approaches.
• Carry out research and development to explore how AI can be used as an alternative or improved solution to existing processes.
• Contribute to new product innovation, including the development of new predictive models and tools.
• Collaborate with stakeholders across data, analytics and the wider business to embed AI into client work and internal projects.
• Present technical concepts and findings clearly to both technical and non technical audiences.

Your Skills & Experience

• Strong commercial experience in credit risk within a lender, fintech or credit bureau environment.
• Proven capability in developing models, particularly scorecards or similar predictive models.
• Hands on experience with AI and machine learning, such as LLMs, AI chatbots or advanced ML techniques.
• Evidence of applying AI to solve real business problems within lending, credit or collections.
• Strong programming skills in Python and SQL.
• Confident communicator, comfortable presenting and explaining complex ideas.

What They Offer

• Hybrid working model with a structured in office presence three days per week.
• Exposure to varied, high value AI work across multiple business areas and industries.
• Opportunity to join a growing AI Lab with genuine influence over future direction and innovation.
• A supportive, long term focused environment with strong retention and career development.

How to Apply
Apply now to find out more about this key AI Consultant opportunity and how it could fit your next career move.

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AI Consultant
London, 3 days in the office| Salary between £80,000 and £90,000

This is a high-impact opportunity to join a newly established AI lab within a large, data-rich organisation, where AI is central to future product innovation and client delivery. Sitting at the senior end of the consultant band, this role offers real influence over how advanced analytics and AI are applied to complex, real-world lending decisions.

The Company

They are a well-established data and analytics organisation operating at scale across financial services and adjacent industries. With access to extensive proprietary datasets, they support clients in making more accurate, responsible decisions through advanced analytics and modelling. Their AI lab is a growing centre of excellence designed to accelerate innovation and embed AI across the wider business.

The Role

You will play a key role in developing and enhancing AI-driven solutions used across client and internal projects, with a strong focus on credit and lending use cases.

Responsibilities include:

• Designing and building AI and machine learning models to support lending, risk, and decisioning strategies.
• Developing and enhancing predictive models, including scorecards and other risk-focused approaches.
• Applying techniques such as LLMs, transformers, and applied ML to real business problems such as automation and decision support.
• Leading research and development activity for new AI-led solutions and product concepts.
• Communicating complex analytical outputs clearly through presentations, written outputs, and stakeholder discussions.
• Collaborating closely with analytics, engineering, and product teams across the organisation.

Your Skills and Experience

• Strong commercial experience in credit risk modelling within a lender, fintech, or credit bureau environment.
• Proven capability in developing predictive models, including scorecards or similar risk models.
• Hands-on experience applying AI or machine learning, such as LLMs, chatbots, or advanced ML techniques, to business problems.
• Strong Python and SQL skills for data analysis and model development.
• Experience exploring alternative or innovative AI-driven approaches to solve challenges within lending or collections.
• Confidence working autonomously and contributing at a senior consultant level.

What They Offer

• Salary between £80,000 and £90,000
• A key role within a growing AI lab with strong visibility and long-term progression opportunities.
• Exposure to a wide variety of projects across financial services and other data-intensive sectors.
• A collaborative, inclusive culture with strong retention and long-term career development.

How to Apply

Apply bellow or email me at

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AI Consultant
London, Leeds – 3dpw
£70-£90,000 plus benefits.

This is an opportunity to join a newly established AI lab within a large, data-driven organisation that plays a critical role in supporting smarter decision-making across regulated industries. Sitting at consultant level, this role offers a rare mix of hands-on model development, applied AI research and exposure to varied, high-impact projects, without being overly focused on deployment work.

The Company
They are a well-established organisation operating at scale, known for working with complex, high-volume datasets to support better commercial and risk decisions. Data and analytics sit at the heart of the business, with a strong culture of long-term career development and collaboration. Their AI lab is a newer function, created to enhance existing capabilities and drive innovation through advanced analytics and artificial intelligence

The Role

• Design, develop and enhance AI and machine learning models to support client and internal projects.
• Apply AI techniques such as LLMs, transformers and predictive modelling to real-world business problems.
• Contribute to research and development initiatives, including new product and model innovation.
• Work closely with stakeholders across data, analytics and wider business teams to integrate AI into decision-making.
• Present insights and recommendations clearly to technical and non-technical audiences.
• Support and guide others on best practice in modelling and analytical approaches.

Your Skills and Experience

• Strong commercial experience in credit risk within a lender, fintech or credit-focused data organisation.
• Proven capability in model development, including scorecards or other predictive models.
• Hands-on experience applying AI and machine learning, such as chatbots, LLMs or advanced ML models.
• Solid programming skills in Python and SQL.
• Experience exploring AI as an alternative or improved solution to existing lending or collections processes.
• Confident communicator, comfortable presenting technical work to varied stakeholders.

What They Offer

• Bonus, pension, private medical
• A high-impact role within a growing AI function, working on varied and meaningful projects.
• Clear scope for progression within a business known for strong retention and culture.
• Hybrid working with three set days in the office each week.

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Lead Credit Risk Analyst (FTC)
London/Leeds – other locations available
£60-80,000 dependent on location + experience

This is a high impact portfolio analytics role where you will move beyond reporting to directly influence credit strategy and risk decisions. You will work closely with senior stakeholders, owning analysis that shapes how a large consumer credit portfolio is managed.

The Company
They are a UK based financial services organisation operating at scale within a regulated environment. Analytics plays a central role in decision making, with continued investment in data platforms and credit strategy. The culture is collaborative, pragmatic and focused on responsible growth.
The Role

• Deliver portfolio monitoring and insight across a large consumer credit book.
• Analyse performance against forecasts and explain key drivers and variances.
• Provide clear recommendations that inform credit policy, scorecards and strategy.
• Partner with credit risk, forecasting and wider stakeholders to influence decisions.
• Support analysis across additional lending products where required.

Your Skills and Experience

• Strong commercial experience in portfolio or credit analytics within consumer lending.
• Confident turning complex data into clear, actionable insight.
• Solid SQL capability with experience using SAS and advanced Excel.
• Understanding of impairment and how portfolio performance impacts the credit book.
• Comfortable operating in a regulated environment and challenging constructively.

What They Offer

• Competitive salary with discretionary bonus and strong pension contribution.
• Hybrid working with flexible office attendance.
• Private medical insurance and a broad wellbeing focused benefits package.
• Exposure to senior stakeholders

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Senior Risk Analyst

Solihull – Hybrid 3 days per week

The Company
They are a well established financial services organisation operating in the consumer lending space. With a strong analytical culture, they place data at the centre of decision making across products and partnerships. The business is investing heavily in advanced analytics and credit risk capability to support sustainable growth.

The Role
You will sit within the personal finance credit risk team, working closely with models, strategy and analytics specialists. Your focus will be on supporting credit strategy for a key partner product, using data and models to optimise performance.
Key responsibilities include:

• Supporting credit risk strategy for a partner finance product, analysing what impacts sales and how to maximise performance within risk appetite.
• Developing, enhancing or monitoring credit risk models, including PD and scorecard based approaches.
• Delivering analysis to inform decisions across acquisition, pricing and customer management.
• Working with stakeholders across risk, analytics and the wider business to translate insight into action.

Your Skills and Experience

• Strong background in credit risk analytics within lending, banking or fintech environments.
• Experience with scorecard development, decision science models or broader credit risk modelling.
• Commercial exposure to areas such as pricing, customer segmentation or portfolio strategy.
• Hands on experience using SQL and either Python or SAS, with a willingness to develop further technical skills if needed.
• Ability to turn complex analysis into clear insight that supports business decisions.

What They Offer

• Competitive salary and benefits package.
• Hybrid working with three days per week in the Birmingham office.
• Opportunity to work on a high profile product with visible impact on strategy and performance.
• A collaborative, analytical environment with scope to develop deeper modelling or strategy expertise.

How to Apply
If you are a credit risk analyst looking to step into a senior role with strong strategic and modelling exposure, apply now to learn more about this opportunity.

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Fraud Analytics Manager

Salary
£86,000-£98,000

Location + work pattern
London | Hybrid working (3 days per week in the office

THE COMPANY

• A well-established FinTech with a strong international footprint, operating across payments and consumer financial services.
• The UK entity has recently expanded its regulated offering, moving beyond a single product focus into broader account-based and cashback services.
• The business is investing heavily in fraud prevention as part of this next phase of growth.

THE ROLE

This is a senior individual contributor role within a partner and merchant fraud function, focused on identifying, analysing and reducing fraud risk across complex payment flows. You will act as an accountable lead, owning problems end to end and driving improvements across detection, strategy and operations.
Specifically, you can expect to be involved in:

• Analysing fraud patterns and trends to identify emerging risks and exposures.
• Defining and improving fraud detection frameworks, rules and controls.
• Advising on fraud strategy, automation opportunities and operational priorities.
• Partnering closely with product, operations, engineering and strategy teams.
• Using SQL to extract and analyse data to support investigations and decision-making.

YOUR SKILLS AND EXPERIENCE

• Strong subject matter expertise in fraud, ideally within payments, marketplaces or financial services.
• Experience managing complex fraud investigations from identification through to resolution.
• Proven ability to define fraud guidelines, strategies and operational routines.
• Comfortable working autonomously, taking ownership of ambiguous, project-based problems.
• Working knowledge of SQL for data extraction and analysis.

THE BENEFITS

• Opportunity to work within a highly self-sufficient, cross-functional team.
• Exposure to end-to-end delivery, from strategy through to execution.
• A role with genuine ownership and influence over fraud frameworks and controls.
• Hybrid working and a competitive salary package.

THE PROCESS

• Online abstract reasoning assessment.
• Take-home assignment followed by a technical interview discussing the approach and outcomes.
• Behavioural interview focused on competencies.
• Final short cultural fit conversation.
• Offer

HOW TO APPLY

Please register your interest via the apply link on this page.

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BUSINESS INTELLIGENCE ANALYST
LONDON/HYBRID
UP TO £60,000

This is a chance to step into a high impact Business Intelligence Analyst role where your work directly shapes how data is used across a complex, regulated organisation. You will partner closely with senior stakeholders, influence reporting standards, and play a key role in the evolution of a modern BI estate as the business moves towards a cloud based architecture.

ROLES AND RESPONSIBILITIES:
The Business Intelligence Analyst will:

• Lead scoping sessions with business stakeholders to define reporting and insight requirements
• Design and delivering dashboards and reports using Power BI
• Translate complex business needs into practical BI solutions
• Work closely with data engineering and architecture colleagues to ensure robust data models
• Support and maintain existing reporting solutions while embedding best practice
• Manage ongoing stakeholder relationships and responding to ad hoc analysis requests

YOUR SKILLS AND EXPERIENCE:
The ideal candidate will have the following skills and experience:

• Strong commercial experience in business intelligence and reporting
• Advanced SQL capability and hands on Power BI experience, including DAX
• Experience working within a collaborative BI or data team environment
• Confidence engaging with stakeholders at varying levels of technical understanding
• Exposure to financial services or another regulated industry is beneficial but not essential
• A degree level education demonstrating analytical and problem solving capability

APPLY BELOW!

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