Data Scientist (Credit Risk)

Location: London, United Kingdom; hybrid

Company

hirify.global is a rapidly scaling financial services company providing insurance and car finance products, including accessible lending for migrants in the UK.

What you will do

• Build, validate, and monitor application and behavioural credit scorecards using bureau, Open Banking, insurance, application, and behavioural data.
• Design and refine credit strategies covering cut-offs, affordability rules, pricing tiers, and lending limits.
• Run experiments and champion/challenge tests to validate policy and model changes.
• Explore alternative data sources and assess their suitability for credit decisioning.
• Document models, assess fairness, and support Consumer Duty, CONC, and model risk obligations.
• Work with engineers to deploy models and rules into the production decision engine.

Requirements

• 2–5 years of experience in decision science or data science within consumer lending or regulated financial services.
• Hands-on experience developing or materially refining credit scorecards or risk models, including sample design, binning, reject inference, validation, and monitoring.
• Experience using Open Banking or alternative data in credit decisioning.
• Strong SQL skills and comfort working with large, imperfect datasets.
• Solid statistical foundations and the ability to explain commercial risk and lending trade-offs to non-technical audiences.
• Experience with logistic regression and/or gradient boosting is required.

Nice to have

• Motor finance or other secured lending experience.
• Experience in a rapidly scaling lending environment.
• Familiarity with UK consumer credit regulation.
• Experience using LLMs to accelerate analytical work.
• Experience with Snowflake, Python, Claude, Linear, or Notion.

Culture & Benefits

• High-ownership role in a small, high-performing Car Finance team.
• Bonus scheme designed to reward high performance.
• Private medical insurance and mental health support.
• Personal learning budget and two dedicated learning and development days per year.
• Monthly flexible benefits budget and 25 days of holiday plus bank holidays.
• Four weeks of work from anywhere per year.

Hiring process

• 30-minute initial call with the Talent Team.
• 60-minute past experience interview with the Hiring Manager.
• Onsite technical and culture interviews, each lasting 60 minutes.

Visa sponsorship is not available for this position.