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DATA SCIENTIST

REMOTE

UP TO £85,000

A fast-growing fintech is seeking a Data Scientist to join their risk and analytics team. This is a rare opportunity to work on complex, high-impact problems in merchant risk, fraud, and credit analytics, helping shape solutions that directly affect the business and its customers.

THE ROLE

You’ll be joining a team that’s building things from scratch, tackling novel challenges with both analytical rigour and commercial insight. Day-to-day, you’ll:

• Monitor and assess partner portfolios using advanced analytics and, where needed, account-level reviews to understand both existing and emerging risks.
• Build, implement, and track predictive rules and models to improve understanding of merchant risk.
• Collaborate with payments firms and insurers to understand their requirements and shape data-driven solutions for the market.

REQUIREMENTS

• 2-5 years’ experience in a quantitative credit risk, fraud, or related analytical role.
• Strong technical skills: Python for analysis, SQL for data extraction/manipulation.
• Experience with supervised models (logistic regression, gradient boosting).
• Self-starter mentality with the ability to work autonomously and proactively solve problems.
• Motivated by making tangible impact on the business and customer outcomes.

HOW TO APPLY

Please send CV below or

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SENIOR DATA SCIENTIST

LONDON- HYBRID

UP TO £75,000

I’m currently working with a leading UK fintech that is looking to bring in a Senior Data Scientist to join their growing decision science team.

You’ll be responsible for developing and deploying models that support underwriting decisions, pricing strategies, and fraud detection, working closely with product, engineering, and risk teams to ensure models are robust, scalable, and delivering commercial value.

THE ROLE

• Develop and enhance credit risk models, including scorecards and machine learning models for underwriting and portfolio management
• Build pricing models and optimisation strategies to support customer acquisition and portfolio profitability
• Design and improve fraud detection models to identify suspicious activity and reduce financial losses
• Work closely with product, risk, and engineering teams to deploy models into production
• Analyse large datasets to uncover insights that inform decisioning strategies
• Monitor model performance and drive continuous model improvements

REQUIREMENTS

• Strong experience developing credit risk, fraud, or pricing models within financial services or fintech
• Strong programming experience in Python (pandas, scikit-learn, XGBoost etc.)
• Solid SQL skills and experience working with large datasets
• Good understanding of machine learning and statistical modelling techniques

HOW TO APPLY

Please send your application below or reach

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Senior Credit Risk Analyst

£70,000-£80,000 + equity

UK-based / Fully remote (occasional optional co‑working meetups)

Harnham are working with a high‑growth fintech scale-up that provides risk analytics and decisioning, helping their customers reduce exposure, unlock growth and scale into new markets.

THE COMPANY

• A high‑growth fintech scale-up building advanced analytics and decisioning solutions for the wider payments and financial services ecosystem.
• The business combines data science, automation and modern engineering to help clients improve risk visibility, streamline onboarding processes and enhance operational efficiency.
• With strong investment backing and a globally distributed team, they are continuing to expand their product suite and strengthen their UK analytics capability.

THE ROLE

You will join a growing analytics and risk team, working on a blend of credit risk, fraud analytics and machine learning projects that sit at the heart of the company’s product offering. This is a hands-on role with impact on strategy, pricing, on-boarding and merchant monitoring.

Specifically, you can expect to be involved in:

• Developing analytical solutions to optimise credit risk, fraud strategies, pricing and limits.
• Building and improving machine learning models across risk and decisioning use cases.
• Analysing large merchant datasets to support portfolio monitoring and partner reporting.
• Working with commercial and technical teams to shape decisioning engines and new product capabilities.
• Supporting bespoke partner engagements, including risk assessments and insight generation

YOUR SKILLS AND EXPERIENCE

• Experience in credit risk and/or fraud analytics within financial services or fintech.
• Strong capability in Python and/or SQL for analytics and model development.
• Background in data-driven strategy, modelling or decisioning (circa 2-3+ years’ experience).
• Comfortable working in a fast-paced, product-focused environment.
• Ability to communicate insights clearly to technical and non-technical stakeholders.

THE BENEFITS

• Fully remote working.
• Private medical cover (including family cover).
• Regular global company meetups.
• Pension scheme and strong long-term business stability.

THE PROCESS

• Initial 30-minute introduction and CV walk through.
• Technical case study (SQL and problem-solving).
• Interviews with senior stakeholders.
• Final HR stage.

HOW TO APPLY

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

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Senior Pricing Analyst

£50,000

London – Hybrid

Harnham are working with a growing insurance provider as they look to hire a Senior Pricing Analyst to support the development of robust pricing strategies across their travel insurance products.

THE COMPANY

• A growing UK insurance business known for its customer-focused approach and supportive working culture.
• Operating across a range of consumer products with a strong emphasis on innovation and data-led decision‑making.
• Recent investment and expansion mean strong opportunities for progression and development.

THE ROLE

You will play a key part in developing pricing strategies, analysing performance, and supporting commercial teams with insight-driven recommendations.

Specifically, you can expect to be involved in:

• Building and refining pricing models for insurance products.
• Analysing large data sets to identify trends, customer behaviour and pricing opportunities.
• Contributing to market and competitor analysis to support pricing decisions.
• Producing clear reports and presenting findings to senior stakeholders.
• Supporting forecasting activity and ensuring pricing practices align with regulatory standards.

YOUR SKILLS AND EXPERIENCE

• Strong analytical skills with experience using tools such as Excel, SQL, R or Python.
• Ability to communicate technical insights clearly to non-technical audiences.
• Experience in a pricing, analytics or financial role (insurance experience beneficial).
• Understanding of statistical modelling techniques, including GLMs.
• Highly detail-oriented and confident working across multiple projects.

THE BENEFITS

• Holiday allowance with incremental increases based on tenure.
• Core insurance and wellbeing benefits.
• Performance-related bonus scheme.
• Flexible hybrid working arrangements.
• Regular team events and professional development support.

THE PROCESS

• Initial 30‑minute interview.
• Technical stage focused on analytical capability.
• Final interview with senior stakeholders.

HOW TO APPLY

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

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PRICING MANAGER- INSURANCE

£70-80K DEPENDING ON EXPERIENCE

LONDON BASED

This is an exciting opportunity to join a growing business in the insurance space where you can make a real impact on the business. You’d be able to work across a range of pricing analytics projects with the rare opportunity to really take ownership of your work and make an impact.

THE COMPANY

Our client are an exciting insurance business that are growing well. They’ve gone from strength to strength in recent years and this role is part of their increased presence in the market. You’d be able to work in small team within this hands-on, analytical role whilst also taking on management of a couple of analysts.

THE ROLE

• End-to-end development of some of their first GBM models across the book
• Develop and implement pricing strategies to enhance business performance
• Analyse large sets of customer data to drive insight and commercial performance across their pricing quotes
• Share insight with the wider team and helping to improve profitability across the business
• Manage a team of 2, helping with their development and progression

YOUR SKILLS AND EXPERIENCE:

• Essential to have experience within UK general insurance
• Essential to have had experience building GLM pricing models, ideally using ML techniques
• Exposure to both retail and risk pricing
• Good knowledge of programming software such as SAS, SQL, Python or R
• Experience managing junior analysts OR proven ability in coaching and leadership

SALARY AND BENEFITS

• Base salary £70-80,000 depending on experience
• Bonus
• Contributory pension scheme
• Work abroad scheme
• Private medical
• 25 days holiday

HOW TO APPLY

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

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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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Credit Strategy Manager

Up to £100,000

Hybrid

London

The Company

I am hiring a Credit Strategy Manager leading consumer finance FinTech’s based in London. Within this role you will be bringing your acquisitions and ECM strategy experience to focus on driving business growth through acquisitions and revenue from existing using tools like SQL and Python alongside your credit commercial background.

The Role

As a Credit Strategy Manager, you will be:

• Developing new insights to drive optimisation of credit risk strategies.
• Detecting new trends on customer data to help increase business revenue
• Developing credit risk strategies for Acquisitions and existing customers
• Working with senior leadership to implement/improve strategy.
• Using SQL and Python daily for strategy development

Your skills and experience

To be successful as a Credit Strategy Manager, you will need:

• Experience as a credit risk strategy manager/lead
• Experience working in a fast-paced environment
• Experience developing credit risk strategies for Acquisitions
• Ideally some experience developing ECM and Collections strategies
• Experience working on unsecured lending products, like credit cards and/or loans
• Experience working with SQL and Python
• STEM Degree from a top university

Benefits

Up to £100,000 + Benefits

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Credit Strategy & Analytics Director

Up to £150,000

Hybrid

London

About the Company:

I am hiring a Credit Strategy Director for a leading lending fintech based in London. Within this role, you will be leading a team and setting up the strategies for existing customer management, to support the increase of profitability for their credit cards portfolio using tools like Python and SQL daily.

About the Role:

As a Credit Strategy Director, you will be:

• Driving insight for credit risk strategy using Python and SQL
• Detecting new trends on customer data to help increase business revenue
• Analysing both internal and external data to make strategic changes impacting growth and revenue
• Building out and leading a Credit Strategy function focusing on the ECM strategy
• Developing credit risk strategies across existing customers, like credit limit increase and decrease strategies
• Using SQL and Python daily for strategy development for the credit cards portfolio

Responsibilities:

To be successful as a Credit Strategy Director, you will need:

• Experience developing credit strategies for ECM.
• Experience working with unsecured credit portfolios
• Ideally experience working on Credit Cards
• Experience managing and leading a team for credit strategy
• Experience working with SQL and/or Python
• STEM Degree from a top university

Benefits

Up to £150,000 + Benefits

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Senior Credit Risk Analyst

Up to £55,000

Hybrid

West Midlands

The Company

I am hiring a Senior Credit Risk analyst for lending business that leads the way on all types of unsecured lending for a large consumer base across the UK. Within this role you will help drive credit risk strategy using analytics to drive companywide profitability.

The Role

As a Senior Credit Risk Analyst, you will be:

• Reporting on credit risk insights and trends to senior stakeholders
• Using analytics skills to improve credit risk strategies
• Helping manage the credit risk customer lifecycle
• Spotting trends to find new ways to increase profitability for credit risk
• Developing new credit risk strategies across the business for acquisitions and existing customers.
• Working with and presenting to senior stakeholders daily within the role.

Your skills and experience:

To be successful as a Senior Credit Risk Analyst, you will need:

• Strong experience with SAS and/or SQL
• Experience as a credit risk analyst in an analytical position
• Experience developing credit strategies for acquisitions, ECM, or collections.
• Experience working in financial services
• Strong stakeholder management & excellent communication skills
• STEM Degree from a top university

Benefits

Up to £55,000 + benefits package

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