Senior Data Scientist

About UsYouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.The RoleWe are seeking a talented Senior Data Scientist to develop and enhance Probability-of-Default and Revenue-Forecasting models, leveraging advanced data analysis and machine learning techniques to drive impactful business insights.RequirementsResponsibilities:Analyse large, complex datasets to uncover patterns, insights and trends that inform business decisionsBuild and deploy machine learning models to forecast financial outcomes, detect fraud, optimise credit risk, and enhance customer personalisationDevelop and improve algorithms for financial services such as pricing or risk assessmentCreate compelling visualisations and dashboards to communicate findings to stakeholdersWork closely with product managers, engineers and other teams (such as commercial) to integrate data-driven insights into our products and strategiesPartner with data engineering teams to ensure data pipelines are robust, scalable, and optimised for analysisThe ideal candidate will have the following skillset:4+ years of experience as a Data Scientist, ideally within a FinTech or high-growth startup environmentExpertise in Python and SQLAbility to communicate effectively to technical and non-technical stakeholdersProficient in machine learning algorithms and foundational MLOps techniquesExperienced with analysing a range of data, but financial/transactional data would be considered a plusBenefitsWhy join YouLend?Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024 and 2025" by the Sunday Times for being a supportive, diverse, and rewarding workplace.Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.It's just getting fun:We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.But the global opportunity is still massive, and YouLend 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 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 and 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:Stock OptionsPrivate Medical insurance via Vitality and Dental Insurance with BUPAEAP with Health AssuredEnhanced Maternity and Paternity LeaveModern and sophisticated office space in Central LondonFree Gym in office building in HolbornSubsidised Lunch via FeedrDeliveroo Allowance if working late in officeMonthly in office MasseuseTeam and Company SocialsFootball Power League / Paddle and Yoga ClubAt YouLend, 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.