Data Scientist (Mid and Senior Level)

• Join Zopa, the UK digital bank that built the world’s first peer-to-peer lending company, in a permanent hybrid role in London. • Help Zopa make better credit decisions as part of a growing, product-facing Data Science team. • Rebuild and expand the models behind consumer-credit decisions, including flagship risk and value-driver models. • Take real ownership in a hands-on individual contributor role within a lean, low-ego team. • Partner closely with Credit Strategy, Product and Engineering to turn ambiguous problems into practical solutions. • Apply at mid or senior level, as Zopa will assess you at the level that best reflects your experience and impact.

• Bring hands-on data science experience. • Use Python and Git confidently in your day-to-day work. • Understand common statistical-learning models and machine-learning algorithms for classification and regression. • Apply sound statistical fundamentals, including hypothesis testing and experimental design. • Take an ambiguous problem independently from discussion to a useful model or analysis. • Communicate clearly and confidently with technical and non-technical stakeholders. • Build alignment when views differ and enjoy working collaboratively to move things forward. • Stay curious and practical, and work comfortably with limited hand-holding. • Work effectively across business, Product and Engineering partners. • Commute to the London office 2–3 days a week.

• Bring experience in consumer credit, lending, credit cards or a closely related credit-risk domain. • Show exposure to sequence-based deep-learning or transformer-style models. • Bring experience building production-grade Python microservices.

• Take ambiguous credit-related questions from stakeholder discussion through to practical modelling and analysis. • Build, improve and maintain models that support consumer-credit decisions. • Develop flagship risk models and value-driver models covering revenue, profit prediction and customer lifetime value. • Develop classification and regression solutions using Python and sound statistical judgement. • Partner with Credit Strategy to understand priorities and create well-framed solutions. • Collaborate with Product and Engineering to sequence work and support productionisation. • Explain technical choices clearly, build consensus and help move decisions forward. • Own your problems and delivery while contributing to a collaborative team.

• Work in a hybrid setup with 2–3 days a week in the London office. • Work from abroad for up to 120 days a year, subject to having the right to work in that country. • Enjoy a culture that values good work-life balance and flexible ways of working. • Get everything you need to thrive at work and at home from day one. • Join one of the UK’s top three Most Loved Workplaces. • Shape the work with real ownership in a growing credit-focused team. • Request reasonable adjustments during the hiring process.

Zopa launched in 2005 as the world’s first peer-to-peer lending company and went on to launch Zopa Bank in 2020. The bank sets out to do the opposite of what customers dislike about traditional finance, putting people at the centre of its products. Zopa has won multiple industry awards, employs people from nearly 50 nationalities, and has been named among the UK’s top three Most Loved Workplaces.