Data Scientist – Credit Cards

iwoca

. Build credit risk, pricing, and customer lifetime value models for iwoca’s business credit card .

Posted 10/22/2026full-timeLondon • United KingdomMid-LevelSenior💰 £80,000 - £100,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in building credit risk, pricing, and customer lifetime value models, utilizing probability and statistics to inform commercial decisions. Proficient in collaborating across teams to optimize product interactions and enhance customer insights.

Highest-signal resume keywords

Credit Risk ModellingProbability And StatisticsAI And Machine LearningPython CodingCommercial Strategy Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit RiskPricing ModelsCustomer Lifetime Value ModelsHierarchical ModelsData AnalysisStatistical ModellingMachine Learning DeploymentRegularisation TechniquesCohort AnalysisQuantitative Analysis

Soft Skills

Clear CommunicationBusiness CuriosityAdaptabilityCollaborationProblem-Solving

Industry Keywords

Lending ExperienceFinancial ServicesCommercial DecisionsCustomer InsightsData Science

Tech Stack

Tools & technologies

Python

About the role

Key responsibilities & impact

Build credit risk, pricing, and customer lifetime value models for iwoca’s business credit card
Analyse and model commercial decisions for the card
Quantify uncertainty in estimates and explain implications for decisions
Lead projects from framing questions with commercial leads through to business action
Set initial credit limits and design frameworks to adjust limits using spending and repayment data
Model the impact of interest and fees on card take-up and spending
Estimate activation, spending, and retention from early signals and update cohort estimates
Measure cross-sell and combined credit exposure for customers holding both the card and an iwoca loan
Design mechanisms to optimise interaction between card and loan products
Collaborate with the broader Credit Cards team, including commercial strategy, product, engineering, operations, and data science
Share methods with Credit Risk Modelling and data scientists through the analytics guild
Learn about the product and customer needs while shaping card growth

Requirements

What you’ll need

Background in probability and statistics from a quantitative field
Experience using priors, updating, and hierarchical models in real work
Experience taking loosely defined problems from framing through to a business decision
Business curiosity and ability to use customer and economic understanding to shape analysis
Experience using AI to produce work beyond unaided capability, such as prototypes, automations, or modelling pipelines
Clear, direct, and concise written and verbal communication
Ability to adapt technical detail for non-technical commercial and strategy colleagues
Lending experience, credit risk, pricing, or customer lifetime value experience in lending or financial services is a bonus
Experience with scarce data and regularisation or sequential updating is a bonus
Production machine learning deployment and monitoring experience is a bonus
Python coding experience is a bonus
Right to work in the UK or appropriate UK visa status

Benefits

Comp & perks

Flexible working hours
Medical insurance from Vitality, including discounted gym membership
Private GP service for you, your partner, and dependents
25 days’ holiday per year
Extra day off for your birthday
Option to buy or sell five additional days of annual leave
Unlimited unpaid leave
One-month fully paid sabbatical after four years
External counselling and therapy sessions
3% pension contributions on total earnings
Employee equity incentive scheme
Generous parental leave
Nursery tax benefit scheme
Electric car scheme
Cycle to work scheme
Two company retreats a year
Learning and development budget
Company-wide talks with internal and external speakers
Access to learning platforms such as Treehouse
Offices with drinks and snacks
Events and community-led groups, including running groups, padel, ping-pong, and pool competitions