Data Scientist (Credit Decisioning) - Car Finance at Marshmallow

marshmallow • United Kingdom

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AI Summary

Build and refine AI-powered credit scorecards and lending strategies for new-to-UK customers with thin/no credit files. Combine bureau, Open Banking, and behavioral data to create fair, explainable, and compliant risk models. Own end-to-end impact from modeling to production deployment in a fast-growing fintech environment.

Key Highlights

Own end-to-end credit modeling and decisioning for new-to-UK customers with thin/no credit files.

Combine bureau data, Open Banking, insurance, and behavioral signals to create fair/explainable risk models.

Work in a small, high-impact team with direct ownership over lending strategies and model deployment.

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Key Responsibilities

Build, validate, and monitor credit scorecards using bureau, Open Banking, and internal data.

Design and test credit strategies (cut-offs, affordability rules, pricing tiers) with risk/volume/margin trade-offs.

Run experiments to prove policy/model changes work before scaling.

Explore new data sources and advocate for their use in decisioning.

Support model governance, documentation, and compliance with Consumer Duty/CONC regulations.

Collaborate with engineers to deploy models into production using AI tooling.

Technical Skills Required

Credit Risk Modeling (Logistic Regression, Gradient Boosting) Open Banking Data Integration SQL and Large-Scale Data Analysis

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Benefits & Perks

Bonus scheme for high performance

Private medical insurance with Vitality

Personal learning budget and 2 dedicated L&D days/year

Monthly flexible benefits budget

25 days holiday + 4 weeks Work From Anywhere/year

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Nice to Have

Motor finance or secured lending experience

Experience in rapidly scaling lending environments

Familiarity with UK consumer credit regulation (e.g., CONC, Consumer Duty)

Experience using LLMs for analytical work

Prior knowledge of Marshmallow’s tooling (Snowflake, Python, Claude, Linear, Notion)

Job Description

We’re hiring a Data Scientist to shape how we lend to people traditional lenders overlook—newcomers to the UK with thin or no credit files. You’ll design and validate credit scorecards, optimize lending strategies (cut-offs, pricing, limits), and ensure models are fair, explainable, and compliant with regulations like Consumer Duty and CONC.

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