We are looking for a Data Scientist to join our Data & Analytics team. Data Scientists play a key role within ClearScore, driving strategy and decision-making at all levels, which ultimately benefits our users, partners, and other teams within the business. We’re seeking an adaptable, curious, and challenge-loving individual to join our growing Global Targeting team. You will build, optimise, and operationalise predictive models to enhance our user experience through improved personalisation, contributing to best practice frameworks to enable better ways of working across the discipline. Your contributions will directly support the business in realising our overall strategy.

ClearScore is both a free credit score and report service and the UK's leading consumer credit marketplace. ClearScore has an amazing analytical community which includes Data Analysts, Scientists and Engineers. The community works collaboratively to ensure a landscape in which team members can develop their full potential and deliver maximum positive business impact.

What you will be doing:

Managing the end-to-end build of predictive models to enable a more personalised user experience through data-driven Targeting
Interpreting and communicating the outputs of models and analysis, including actionable insights
Automating the model development and maintenance lifecycle
Assessing the impact and suitability of new models within the strategies utilising them
Contributing to shared tooling to improve ways of working across the team
Supporting the ongoing growth of ClearScore across all markets

Skills We'd Love You To Have

A self-starter mindset: curious, collaborative, and committed to continuous learning. A desire to deeply understand a problem and its importance to the business before attempting to solve it
A drive to understand our users, products, and how users interact with them, enhancing your ability to generate meaningful features and solutions relevant to the problem being addressed
The ability to explain to technical and non-technical audiences the key learnings/findings from complex analysis and modelling exercises
High proficiency in Python and SQL, with experience in dbt and R being advantageous. A demonstrable ability to write clean, production-ready code is highly desirable
A strong understanding of multiple statistical and Machine Learning (ML) techniques and their suitability under various scenarios
Thorough knowledge of and experience related to the end-to-end ML model build lifecycle, including feature engineering, hyper-parameter tuning, deployment, and model maintenance (in a production environment)
A solid grasp of common approaches to experimentation and impact evaluation, including statistical and observational methods
A good understanding of consumer lending and the key drivers of credit and affordability strategies

Why ClearScore?

ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. Someone joins ClearScore every 20 seconds. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions.

Since October 2016 we have helped 1.8 million users take out a new credit card or loan. We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

If you feel like this could be the place for you, apply and our Talent team will be happy to share more.

Benefits:

25 paid holidays and a “duvet day” on your birthday
Hybrid Work Environment
Private health and dental cover - including mental health support through Bupa
GP office visits
Life assurance scheme
Up to 6% matched pension
Regular Lunch and Learns with guest speakers
Dog-friendly office
Daily breakfast and free snacks
Access to discounts via Cobens Extras
Free sports and social clubs
Continued investment into learning and development
Leadership-led training
In-house psychotherapist
Financial coach to help you plan and achieve your goals
No clock-watching culture
Generous maternity and paternity plans
Culture and inclusion representatives
Transparent pay structure and a career growth plan

Equal Opportunities

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

Our Hybrid Model

We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Our approach is designed to foster innovation, team connection, and individual productivity.

Levels 1-5: Minimum 2 days per week in-office
Level 6 and above: Minimum 3 days per week in-office

We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/ mentorship opportunities.

What This Means for You:

Flexibility to manage your work and life
Dedicated in-office days for team building and collaborative projects
Office facilities (with plants!) designed for productive interactions
Clear expectations and support for maintaining our hybrid schedule

We’re committed to creating an inclusive environment that accommodates diverse needs while maintaining our collaborative culture. Join us in shaping the future of work!

Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.

Inclusion Policy

We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people. Please see our People Policy Notice at https://www.clearscore.com/people-notice.

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Data Scientist - Global Targeting