Senior Data Scientist

• Join Zilch’s Risk team as a Senior Data Scientist, working hybrid from London with Tuesdays and Fridays remote. • Build and optimise advanced models across credit risk, collections and fraud detection. • Take models from exploration through to production, monitoring and iteration. • Combine strong applied machine learning with modern MLOps practices. • Work with product managers, engineers and risk, credit, collections and fraud teams. • Improve risk outcomes for millions of customers and thousands of merchants.

• Bring 3+ years of hands-on data science experience building and deploying models that improve products and risk decisions. • Write SQL and Python with core libraries such as NumPy, Pandas and Scikit-Learn. • Show practical experience developing, deploying and monitoring ML models in production, using tools such as Amazon SageMaker. • Explain complex ideas clearly to non-technical audiences and senior stakeholders. • Understand ML methods deeply, including their real-world limitations. • Write clean, production-ready code with Git in a multi-developer team. • Understand AI safety topics such as bias detection, privacy and PII handling. • Know CI/CD pipelines such as GitHub Actions, plus DBT and Looker.

• Bring prior experience in credit risk modelling, collections optimisation, fraud detection or risk strategy. • Know risk model governance, explainability, fairness, affordability or financial services regulation. • Show experience with decision science, decision engines or risk strategy implementation. • Bring experience applying neural networks or deep learning to risk, fraud or decisioning problems.

• Work with large, complex datasets using a range of analytical and statistical approaches. • Use experimentation, data mining and quantitative analysis to shape product strategy. • Build, deploy and monitor ML pipelines across onboarding, affordability, LTV, credit risk, collections and fraud. • Present findings and methods clearly to senior stakeholders. • Contribute to best practice in version control, testing, CI/CD and model monitoring. • Run A/B and champion/challenger tests on features, strategies and models. • Partner with engineering and platform teams to operationalise and automate models.

• Receive share options, a pension, death in service cover and income protection. • Get private medical insurance, including mental health, dental, optical and menopause support. • Access an Employee Assistance Programme with unlimited mental health sessions. • Get enhanced maternity, paternity, adoption and shared parental pay. • Work hybrid, in the office Monday, Wednesday and Thursday. • Use a £200 home office budget and get 5% back on in-app purchases. • Access professional qualifications, memberships and internal training.

Zilch is one of Europe’s fastest-growing fintech companies, on a mission to create the world’s most empowering way to pay. It launched in 2020, reached a $2 billion valuation and has taken on more than 6 million customers. Zilch aims to become the best way to pay for anything, anywhere, without credit costs.