We’re hiring a Data Scientist to sit at the heart of how we lend: who we say yes to, at what price, and how we know it’s working.
Our customers are people that traditional lenders struggle to assess. Many are new to the UK, have thin or no credit files, and don’t fit neatly into off-the-shelf bureau scores. That makes credit decisioning at Marshmallow a genuinely hard, genuinely interesting problem: we combine bureau data, Open Banking, insurance, application and behavioural data to build a view of risk that others can’t, and we need to do it in a way that is fair, explainable and compliant.
This role sits between a traditional credit analyst and a data scientist. You’ll build and monitor scorecards, design and test credit strategies, dig into portfolio performance to find out what’s really going on, and turn large, messy datasets into insights that change how we lend. You’ll own your work end-to-end: from framing the question and pulling the data through to modelling, presenting a recommendation and seeing it live in our decision engine.
You’ll be working with a small team and a modern stack, alongside a Head of Credit who has built this function from scratch and who will give you real ownership from day one. This is not a role where you hand models over a wall and move on - you’ll see the impact of your decisions immediately.