Data Scientist (Credit) - Car Finance

About the role

The Data Scientist will sit at the heart of the lending process, determining credit decisions and pricing for customers who are new to the UK or have thin credit files. This role involves building and monitoring scorecards, designing credit strategies, and turning complex datasets into actionable insights. You will own your work end-to-end, from initial data analysis to model deployment in the decision engine.

Responsibilities

• Build, validate and monitor application and behavioural scorecards using bureau, Open Banking and internal data.
• Design, test and refine credit strategies including cut-offs, affordability rules, pricing tiers and limits.
• Run experiments and champion/challenge tests to validate policy and model changes before scaling.
• Explore new data sources and alternative signals to improve decisioning.
• Support model governance, documentation, and compliance with Consumer Duty and CONC obligations.
• Collaborate with engineers to deploy models and rules into production.

Required skills

• Decision science
• Data science
• Credit scorecards
• Risk models
• Logistic regression
• Gradient boosting
• Open Banking
• SQL
• Statistics

Nice to have

• Motor finance
• Secured lending
• UK consumer credit regulation
• LLMs
• Snowflake
• Python
• Claude
• Linear
• Notion

Benefits

• Bonus scheme
• Private medical insurance
• Mental health support
• Personal learning budget
• L&D days
• Monthly flexible benefits budget
• 25 days holiday
• Work From Anywhere

About the Company

Marshmallow is a financial services company founded in 2017 that has gained unicorn status and provides car insurance and car loans. The company focuses on providing fair access to financial products for migrants and newcomers to the UK through automated, AI-powered processes.