Commercial Data Scientist

• Join Atom bank as a Commercial Data Scientist, working from Newcastle with weekly time in the office. • Bridge the gap between the Data Science and Commercial Savings teams, reporting to the Head of Savings. • Use statistical modelling to understand customer deposit behaviour and inform pricing and brand strategy. • Build price elasticity and forecasting models and deploy them into production. • Explain the “why” behind your models clearly to non-technical stakeholders. • Enjoy a 4-day work week at a digital bank making finance faster, simpler and more human.

• Work proficiently in Python or R for statistical modelling and data manipulation. • Show proven experience deploying models into production using software best practices. • Ask “why”, challenge the status quo and look beyond the surface of the data. • Communicate complex statistical concepts clearly to non-technical audiences. • Hold the legal right to work in the UK, as visa sponsorship isn’t available.

• Bring experience in financial services. • Show consumer pricing or elasticity experience from retail, telecoms or other regulated industries. • Bring experience forecasting deposit balances or other financial time series. • Show an understanding of funding mix and regulatory liquidity in banking.

• Design and develop pricing and elasticity models to inform product development and competitive positioning. • Build robust forecasting models for deposit balances and deploy them into production. • Identify stable funding sources to optimise the bank’s funding mix and support regulatory liquidity. • Turn complex data into actionable insights for leadership. • Act as the bridge between technical and commercial teams.

Atom bank is one of the most compelling places to work in UK fintech right now, and not just because of the four-day working week. Atom became profitable for the first time in 2024 and has grown its loan book by 29% to £5.3 billion, while being consistently rated the UK's highest-rated bank by its customers on Trustpilot. The four-day work week is real and established: in November 2021, Atom became the largest company and only bank in the UK to introduce the policy for all employees, genuinely reducing contracted hours from 37.5 to 34 per week with no salary cut, and job applications rose 49% as a result. There is also genuinely no mandatory office attendance, with only around 10% of staff regularly coming in. What really stands out is that Atom has done all of this from Newcastle, building one of the UK's best-loved banks without ever opening a London office. Glassdoor reviewers consistently highlight the brilliant people, the no-blame culture, and the interesting and meaningful work. The main caveat to note is that some employees, particularly at more senior levels, have reported limited progression opportunities as the company matures beyond its early startup phase. But if you want to work somewhere that backs its values with action, a genuinely flexible, people-first bank that is growing sustainably and has a product its customers genuinely love, Atom is hard to beat.

• Earn a salary of £45,000 plus a discretionary cash bonus. • Work a 4-day week. • Receive a generous pension with up to 13% employer contribution. • Use a £200 yearly “All About Me” fund for personal development. • Take 22.5 days’ annual leave plus public holidays. • Get private medical insurance, a health cash plan and life insurance. • Enjoy enhanced parental leave and an electric vehicle scheme.

Atom bank is a UK digital bank on a mission to make finance faster, simpler and more human. It has moved away from the traditional banking model to build products that work for customers whenever and wherever they need them. Atom is regulated by the PRA and FCA and is based in the North East of England.