Head of Data Science

Carmoola

. Own Carmoola's data science strategy across methods, data sources and platforms .

Posted 10/28/2026full-timeLondon • United KingdomLead💰 £120,000 - £140,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk assessment and data science, with a strong focus on building and deploying machine learning models in production environments. Proficient in Python, SQL, and cloud platforms, while effectively collaborating with cross-functional teams to drive data-driven decision-making.

Highest-signal resume keywords

Credit Risk AssessmentMachine Learning ExpertisePython ProgrammingSQL ProficiencyCI/CD Implementation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk Model DevelopmentGradient Boosting MachinesOpen Banking ApplicationsData Science StrategyModel Monitoring

Soft Skills

CollaborationProblem DefinitionPrioritizationCommunication

Tools & Technologies

GitCloud PlatformsAI AgentsVersion Control

Industry Keywords

UK Consumer LendingMotor FinanceFintechLoss PreventionGovernance

Tech Stack

Tools & technologies

CloudPythonSQL

About the role

Key responsibilities & impact

Own Carmoola's data science strategy across methods, data sources and platforms
Design and deploy AI to assess risk across the application flow
Use Open Banking for accurate affordability assessments
Decide what to build versus buy and balance loss prevention against customer and dealer friction
Own the data science roadmap and shape requirements with Product and Engineering
Work with Credit, Ops and Collections to fit models to business operations
Build Gradient Boosting Machines to predict risk
Develop Open Banking categorisation models and identify additional data science applications
Own end-to-end production deployment, including tested version-controlled code, CI/CD, safe releases and live monitoring
Establish governance and human oversight for customer-affecting decisions
Deliver analytics and MI demonstrating model impact
Report against risk appetite to senior leadership and the board

Requirements

What you’ll need

Significant experience in credit risk assessment within UK consumer lending, ideally motor finance, point-of-sale or a fast-growth fintech
Personally built risk models and put them into production
Expert in Python and SQL
Strong grounding in machine learning
Product management and data science mindset
Experience defining problems, prioritising, collaborating with Product, Engineering, Credit, Ops and Collections, and delivering outcomes
Practical experience building with LLMs and AI agents on real decisions, including evaluation, guardrails and governance
Experience with Git, testing, CI/CD, cloud platforms and model monitoring
Ability to design controls proportionate to risk and explain decisions to engineers and the board
Genuine excitement for Carmoola's mission

Benefits

Comp & perks

Options/equity package
Yearly performance-based pay reviews
Hybrid working: 3 days a week in our London office
30 days + bank holidays, plus an extra day on your birthday
15 days a year to work from anywhere
Private healthcare
5% employer matched pension contribution
Cycle to Work Scheme
Join a mega-talented and high performing team
The chance to play a pivotal role inside a fast-growing fintech during a meaningful stage of its journey