Data Scientist (Mid and Senior Level)

Salary: £69,000 - 109,000 per year

Requirements:

• We are hiring at both mid and senior level, and we will assess candidates at the level that best reflects their experience, technical depth and scope of impact.
• You have hands-on data science experience.
• You have practical Python and Git capability.
• You understand common statistical-learning models and machine-learning algorithms for classification and regression.
• You have sound statistical fundamentals, including hypothesis testing and experimental design.
• You can independently take an ambiguous problem from discussion to a useful model or analysis.
• You communicate clearly and confidently with technical and non-technical stakeholders.
• You can build alignment when there are differing views and enjoy working collaboratively to move things forward.
• You are curious, practical and comfortable operating with limited hand-holding.
• You work effectively across business, Product and Engineering partners.
• Bonus: experience in consumer credit, lending, credit cards or a closely related credit-risk domain.
• Bonus: exposure to sequence-based deep-learning or transformer-style models.
• Bonus: experience building production-grade Python microservices.

Responsibilities:

• Take ambiguous credit-related questions from stakeholder discussion through to practical modelling and analysis.
• Build, improve and maintain models that support consumer-credit decisions.
• Work on flagship risk models and broader value-driver models, including revenue, profit prediction and customer lifetime value.
• Use Python and sound statistical judgement to develop classification and regression solutions.
• Partner with Credit Strategy to understand priorities and create useful, well-framed solutions.
• Collaborate with Product and Engineering to sequence work and support productionisation.
• Explain technical choices clearly, build consensus where views differ and help move decisions forward.
• Own your problems and delivery, while contributing to a low-ego team that works together.

Technologies:

• AI
• Git
• Support
• Python
• microservices

More:

We are Zopa, a bank that started in 2005 as the first peer-to-peer lending company and launched Zopa Bank in 2020. We are redefining finance by putting people first and building a business that empowers everyone to aim high and move finance forward. Our Data Science team helps us make better credit decisions by partnering closely with Credit Strategy, Product and Engineering to turn ambiguous problems into robust models, clear analysis and practical solutions. We are growing a product-facing data science capability focused predominantly on credit, with opportunities to help rebuild and expand the models that support consumer-credit decisions. This is a hands-on individual-contributor role in a lean, collaborative environment with real ownership and the chance to shape the work. We are a hybrid team based in London, with office attendance required 2-3 days per week, and we support flexible working including the option to work from abroad for up to 120 days a year, subject to the right to work in the country of choice. We value diversity, offer a workplace free from discrimination, and are proud of our culture where everyone can bring their full self to work. We also expect AI fluency across our workforce and provide guidance on how AI should be used during our hiring process.

last updated 36 week of 2026