Data Scientist

Salary: £72,000 - 99,000 per year Requirements: • Degree educated in a quantitative STEM discipline with a demonstrated capability to transition theoretical concepts into functional, real-world solutions. • Proven track record of leveraging rigorous quantitative frameworks, structured problem-solving, and analytical methodologies to solve complex business problems. • End-to-end hands-on experience in statistical modeling, machine learning architecture, and deployment, demonstrated through production-level enterprise experience, high-impact research, or advanced project delivery. • Strong proficiency in Python for data manipulation, statistical analysis, and modeling, with a focus on writing clean, efficient, and reproducible code. • Deep operational familiarity with SQL, including writing optimised queries, joining complex multi-table datasets, and transforming raw enterprise data into analysis-ready formats. • Track record of collaborating with cross-functional partners to translate technical outputs into actionable commercial insights, key metrics, or product improvements. • Able to take ownership and design workflows, using AI to automate complex tasks and drive operational efficiency. • Ability to identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challenges. • Prior experience working in Credit Risk or Data Science space. Responsibilities: • Develop statistical and machine learning models for commercial lending products. • Deliver value through the optimization of current models and drive innovation by constantly seeking alternative data sources. • Communicate and present effectively, turning complex analysis into clearly articulated insights. • Proactively problem-solve, identifying and mitigating any risks, issues, or control weaknesses in day-to-day work. • Actively experiment with various frameworks for model optimization. • Create cutting-edge statistical and machine learning models as part of the Decision Science team. • Collaborate with data engineers, analysts, and business stakeholders. • Improve previous generation models and develop completely new models as we expand our borrower products. Technologies: • AI • Machine Learning • Python • SQL • Backbone • Support More: We are Funding Circle, on a mission to back the UKs small businesses like no one else. We use a platform powered by clever data to help businesses get the funding they need in minutes, not weeks. We combine the energy of a fintech start-up with the stability of a public company, giving our Circlers autonomy, ownership, and the chance to make a real impact. We are a high-performing, supportive team that challenges and champions each other, and the businesses on our platform generated 7.2bn for the UK economy last year. This role is based in London in a hybrid setup with 3 days in the office. We offer a competitive salary and benefits, including a flexible benefit allowance, private medical and dental cover, health assessments, digital GP access, life assurance, share schemes, financial coaching, an annual learning allowance, electric car and cycle-to-work schemes, season ticket loans, and award-winning parental leave. Our London office offers barista coffee and subsidised Just Eat lunches, and we were named one of The Sunday Times Best Companies to Work For 2026. We want everyone to feel they belong and welcome applications even if experience does not align perfectly with every requirement. last updated 36 week of 2026