Data Scientist

Job Description

Job Title: Data ScientistLocation: Solihull - Hybrid 2 days officeHours: Permanent-Full Time______________________________________________A bit about us:Were part of a global bank and are proud to be a Top Employer UK, providing a great place to work in an open and inclusive environment.Were here to provide simple and straightforward consumer finance solutions and we work with many well-known retailers and brands to help their customers finance their purchases in a responsible way.We care about making a positive impact for our colleagues, customers, partners and the wider community. Thats why we live by our values of were positive, were brave and we own it.The Role:As Data Scientist you will be a part of the Risk Analytics team, owning, managing and developing machine learning models for risk spanning all UK credit portfolios.You will collaborate with the credit strategy team, promoting the use of advanced data analytics to transform data into meaningful insights, ensuring outputs produced are accurate and of a high standard.You will utilise a range of data sources such as CRAs in the development and validation of models to optimise scorecards, policy rules, pricing, limits management and affordability, whilst ensuring regulatory compliance.You will deliver and present solutions that lay the foundation for a culture that promotes data science, ensuring they are aligned to strategies and the deliverables.You will ensure that your recommendations follow the correct standards of the business, whilst treating customers fairly by putting them at the heart of everything we do. You will support the group strategic plan to accelerate growth, technology and sustainability.Key Responsibilities:

• Develop, validate and maintain explainable machine learning models, exploring and adopting new data sources that improve efficacy of models
• Solve business problems and analyse patterns in data using latest technologies, advanced analytics and commercial acumen
• Extract, cleanse and analyse large and complex datasets, structuring, manipulating and staging to produce optimal decisions
• Initiate A/B experiments to empower constant improvement
• Optimise scoring and policy through identification of high and low risk populations
• Translate complex functional and technical requirements into a detailed design
• Present data science techniques to wide ranging audience
• Conduct in-depth exploratory analysis on different client segments and portfolios, assessing KPIs and ensuring outputs produced are accurate and of a high standard.
• Build and maintain relationships with Central Risk, Finance, Marketing and external teams, whilst delivering new lending strategies within the agreed risk appetite.
• Plan, control and deliver assigned projects, and participate as appropriate in cross functional projects and investigations, ensuring requirements are delivered to plan.
• Identify areas of cost reduction, service and process improvements that will results in adding value to the business whilst treating customers fairly.
• Keep abreast of new developments and regulatory issues and apply commercial acumen to produce actionable recommendations.

Skills & Attributes:

• Experience in advanced programming languages such as Python
• Critical thinking and problem solving
• Strong experience in Microsoft Excel
• Good knowledge of Statistics
• Communication skills - verbal and written
• Presentation skills
• Analytic background
• Prioritise and organise for self and others
• Generate ideas to challenge existing business practices
• Think outside own area of responsibility
• Take initiative and ownership of work
• Build relationships internally and externally
• Flexible with business needs
• Evidence planning and managing Projects
• Supervise and train junior analysts if required
• Understanding of; credit life-cycle, credit bureau, financial products, economic conditions
• Experience working on different financial products
• Experience designing and building machine learning models

Could this be youWe believe its a positive attitude and passion to make things happen that matters most.Whats in it for youAs well as working for a Top Employer UK 2022 and being part of a team that changes customers lives, there are some excellent benefits too including - a competitive salary, a contributory pension scheme, plus life insurance and private medical insurance,not to mention the all-important 25 days holiday each year to enjoy. There are also perks which give you fantastic discounts off eating out, cinema tickets, days out and much more. There are also monthly awards with plenty of opportunities to win vouchersand prizes. .Equal Opportunities DisclaimerWe promote equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sexor sexual orientation.