Senior Data Scientist

We’re looking for a Senior Data Scientist to join our growing Risk team. This hybrid role will be based in our London headquarters from where we support all our global businesses. Leveraging advanced analytics and machine learning, you’ll play a pivotal role in shaping the future of embedded finance. From developing and enhancing Probability-of-Default and Revenue-Forecasting models to uncovering insights that drive smarter decisions, your work will directly impact how businesses access finance and serve their customers better.

You’ll work closely with cross-functional teams to integrate data-driven solutions into our products and strategies, helping businesses access finance and serve their customers better. Analyse large, complex datasets to uncover patterns, insights, and trends that inform business decisions. Build and deploy machine learning models to forecast financial outcomes, detect fraud, optimise credit risk, and enhance customer personalisation.

Develop and improve algorithms for financial services such as pricing or risk assessment. Create compelling visualisations and dashboards to communicate findings to stakeholders. Collaborate with risk managers, engineers, and commercial teams to integrate data-driven insights into our products and strategies. Partner with the data and ML engineering team to ensure data pipelines are robust, scalable, and optimised for analysis and inference.

Contribute to best practices in MLOps and model lifecycle management. Proven experience as a data scientist within a fintech. Strong proficiency in Python and SQL for data manipulation, analysis, and model development. Hands-on experience with a wide range of machine learning algorithms and foundational MLOps practices.

Ability to design and build predictive models that solve real business problems. Skilled at translating complex data into clear, actionable insights for technical and non-technical audiences. Experience working with financial or transactional datasets is a plus. Why join You. Lend? Award-Winning Workplace: You. Lend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” by the Sunday Times for being a supportive, diverse, and rewarding workplace.

Award-Winning Fintech: You. Lend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC. It's just getting fun We have developed powerful solutions, secured significant partnerships, and are growing rapidly. The global opportunity is still massive, and You. Lend is a raw organisation where we are only just getting started.

Lots of upsides High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business). Well-capitalised with supportive private equity backing. Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. Strong, transparent team culture: we have each other’s backs. Independent work environment where results matter. Data-driven culture and emphasis on speed (anti-red tape). We offer a comprehensive benefits package that includes: Private Medical Insurance (via Vitality) EAP with Health Assured Enhanced Maternity and Paternity Leave Great office space (including a gym!)

in Central London Subsidised lunch (via Feedr) Deliveroo allowance if working late in the office Monthly in-office masseuse Team and Company socials Sports clubs At You. Lend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.