Junior Data Scientist

• Join the AI & Data Science team tackling real-world banking challenges. • Collaborate closely with teams across the bank and external data partners to build, refine, and monitor predictive, behavioural, and simulation models. • Directly shape strategies in pricing, marketing, product optimisation, and fraud detection.

• Hold a degree in a numerate discipline such as Maths, Statistics, or Economics, or have comparable experience working as a data scientist or analyst. • Have practical experience using Python for Data Science, data manipulation packages like pandas, and SQL for data retrieval. • Have a good understanding of core machine learning techniques such as neural networks, regression, SVMs, and decision trees/random forests, and basic statistical concepts like A/B testing. • Have experience using AI tools such as GitHub Copilot, Codex, or Claude to write code and documentation efficiently, plus familiarity with data privacy standards like GDPR. • Have excellent communication skills to present to both technical and non-technical stakeholders, combined with a self-starter attitude and a desire to learn.

• Develop and implement predictive, behavioural, and simulation models, customer segmentation strategies, and optimisation algorithms to drive pricing decisions and quantify operational risks. • Deliver end-user solutions and interactive tools that allow internal stakeholders to run what-if scenario analyses and explore data trends. • Build ad-hoc reports and automate regularly scheduled, repeatable data workflows using CI/CD pipelines and cloud-run processes. • Monitor and maintain models over time so they remain accurate, effective, and fully compliant with regulatory requirements such as GDPR. • Conduct hypothesis testing, exploratory data analysis, and support high-profile strategic initiatives across the Transformation Office. • Provide constructive challenge and peer reviews for models and analyses built by fellow team members to ensure technical rigour.

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 £33,750 with a 4-day work week. • Enjoy flexible hybrid working in Newcastle. • Receive a discretionary cash bonus based on individual and company performance. • Access an incredibly generous company pension scheme with a maximum of 13% Atom input. • Get 22.5 days annual leave plus public holidays. • Receive Private Medical Insurance, Health Cash Plan, and Life Insurance. • Access a £200 per year All About Me fund for personal development. • Join the Electric Vehicle Scheme.

Atom Bank is the UK's first app-based bank, on a mission to make finance faster, simpler, and way more human. Atom has ditched the stuffy banking model to build something that actually works for customers, whenever and wherever they need it. Sitting in the sweet spot between high-street banks and specialist lenders, Atom solves the pain points others can't.