Data Scientist - iwocaPay Risk Squad

In this role you will co-own the credit modelling stack for iwocaPay, shaping risk models that determine funding access and terms for SMEs. You’ll work in a small, growing risk squad that values end-to-end model development and commercial impact. The role blends production ML, risk analytics and collaboration with product and risk teams to drive responsible growth. This is a hands-on opportunity to influence lending decisions and product scale in a fast-moving fintech environment.

• Flexible working hours
• Medical insurance from Vitality
• Private GP service for you and dependents
• 25 days holiday + birthday day, extra days and sabbatical
• Pension contributions
• Employee equity incentive scheme

• Co-own the full credit modelling stack with another data scientist
• Collaborate on model design and prioritize work based on impact
• Build, deploy, and monitor end-to-end production models for credit decisions
• Influence risk and product strategy through analytical insights
• Maintain and improve models across segments with an eye on commercial outcomes

• Supervised machine learning on tabular data, end-to-end production experience
• Strong foundations in probability, uncertainty quantification, calibration
• Ability to scope problems, build infrastructure, and ship models in an early-stage setting
• Pragmatic with business constraints while maintaining rigor on high-stakes models
• Data engineering capability to build pipelines and manage datasets
• AI fluency to automate and accelerate analytical work
• Clear communication to non-technical colleagues in product, risk, and leadership

• independent working in ambiguous environments
• pragmatism balanced with rigor
• clear and adaptable communication
• production-grade models for tabular data
• probability and uncertainty quantification
• model calibration and error analysis