Senior/Lead Data Scientist -Credit & Finance Model Validation

Back to all rolesSenior/Lead Data Scientist -Credit & Finance Model ValidationApplyJob detailsEngineeringStockholm, LondonFull-time£78,293 GBP - £111,960 GBPWhat you will doPerform independent end-to-end validation of credit risk (e.g., underwriting and limit management), finance (provisioning, offloading, profitability), and other models, rigorously reviewing and challenging all aspects: conceptual soundness, data integrity, feature engineering and selection, training and testing, regulatory compliance and fairness, documentation, deployment, monitoring and business impact. Independently replicate the model development process where necessary and conduct challenger analyses.Collaborate closely with first-line data scientists, machine learning (ML) engineers, and product stakeholders to understand models’ business context and ensure transparent communication of model risks and validation findings.Provide actionable recommendations and formally document validation outcomes in line with internal model governance standards and regulatory expectations.Drive the continuous enhancement of agentic AI tools that support and accelerate model validation by automating documentation and code review, surfacing cross-source inconsistencies, streamlining challenger analysis, etc.Stay up-to-date with emerging trends in credit and finance modelling and AI/ML technologies.Maintain robust model risk management frameworks, policies, and procedures in line with evolving regulatory expectations and industry best practices.Who you areAdvanced degree (Master’s or PhD) in a quantitative field such as data science, statistics, mathematics, computer science, physics, or engineering; or equivalent experience.3+ years of hands-on experience in credit risk and/or IFRS9/CECL impairment modeling.Strong technical expertise in statistical and machine learning models, with a deep understanding of credit risk and/or IFRS9/CECL provisioning models.Hands-on experience with programming languages and tools commonly used in data science, such as Python, SQL, Spark, and AWS.Excellent analytical, problem-solving, and decision-making abilities.A passion for innovation and staying at the forefront of data science and risk management.Strong communication and stakeholder management skills, with the ability to convey complex technical information to non-technical audiences.Knowledge of regulatory requirements and expectations for model risk management.Awesome to haveExperience with Buy Now Pay Later (BNPL), credit cards, personal loans, and payments products.Experience mentoring junior validators or leading validation reviews.Experience building agentic AI workflows and familiarity with AI governance frameworks and emerging AI regulatory requirements.Upload your resume to autofill the applicationUploadFirst name *Last name *Email *Dial codePhone numberLinkedIn profile *Please upload your resume (preferably as a PDF file) *Click or drag file to uploadSupported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;Mandatory Are you currently based in the location the job is posted in? *YesNoAre you legally authorised to work in the location where this position is based? *YesNoWill you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *YesNoAI disclaimerThis application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.ApplyApplyHire withPrivacy Policy