Applied Data Scientist, Consumer Finance

Applied Data Scientist, Consumer FinanceNorth West, UKHybrid - Strong salary on offer, dependent on experienceThe client

North West based, modern office hub, and a flagship consumer lending portfolio. This is an opportunity to join a globally recognised financial services group that is investing heavily in data, Applied Data Science, and Machine Learning to stay ahead of the market and redefine how it serves its customers.

The business is moving towards cloud native, production grade ML, backed by senior leaders who see Data Science as central to the next chapter of growth. You will be close to the real decisions, working with product, risk, and engineering teams to turn data and ML into tangible customer outcomes.

The role

You will be part of a growing data science team focused on credit cards and wider consumer lending. Your work will cover the full ML lifecycle, from exploratory analysis and model build, through to working with ML Engineers to get models into production and keep them performing as the data strategy matures.

This opportunity is open to Data Scientists at all levels, from those looking to deepen their first industry role, through to more experienced practitioners who want broader ownership and influence.

What you will be doing

• Building and enhancing Python based ML models used across the credit card portfolio
• Using SQL to work with large, complex datasets and create robust features
• Partnering with ML Engineers to deploy containerised models and support production ML workflows
• Working with product and risk stakeholders to identify high value ML and AI use cases
• Operating within a clear model risk and governance framework, with space to innovate
• Presenting findings in plain language and influencing decisions beyond the data team

What we are looking for

• Strong grounding in statistics and or Machine Learning, plus solid Python
• SQL skills and experience handling real world, messy datasets
• Experience of the ML lifecycle, ideally including production or near production environments
• Exposure to modern cloud and analytics tooling, for example BigQuery or Vertex, and BI tools
• Interest in credit cards or consumer lending and how ML and AI can improve fairness and outcomes

You will join a friendly, down to earth team that values curiosity, knowledge sharing, and personal growth. There is real scope to shape how ML and AI are used in the business, whether you see your future in deeper technical expertise or in a more leadership focused path. Flexible working is supported where it fits the team and there is a genuine commitment to helping people build long term careers.

Sound exciting? ... Apply Now

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