Data Scientist - Credit Risk

**Company Description** GOCAP is building a better kind of lender. We have created a salary\-linked consumer loan designed to align repayments more closely with real affordability. It is a differentiated product, a genuinely interesting credit proposition, and we believe it has the potential to reshape part of the market. We are now entering an exciting growth phase. The business is live, performing strongly, and moving towards significant scale. As we grow, data science will sit at the heart of how we underwrite, price, monitor risk and improve performance. We are looking for a sharp, hands\-on Data Scientist to help drive that forward. You will be expected to deliver quickly, iterate based on evidence, and continuously improve decisioning as new data becomes available. **What you'll do** ·      Build and improve models across credit risk, pricing and portfolio performance ·      Analyse originations, arrears, defaults, cures and customer behaviour ·      Support underwriting strategy with data\-driven insights and segmentation ·      Work with bureau, open banking and manage internal data pipelines ·      Produce clear, decision\-ready insights from imperfect data ·      Support and refine credit strategy through analysis and segmentation ·      Build monitoring and reporting that tracks real performance ·      Help strengthen model governance, validation and documentation ·      Work closely with risk, product and engineering to turn analysis into action **What we're looking for** ·      Experience in lending, fintech, banking or credit risk ·      Advanced Python and SQL skills ·      Strong analytical and statistical modelling skills ·      High ownership and attention to detail ·      Experience with underwriting, scorecards, pricing or portfolio analytics ·      Experience working with real\-world datasets ·      Commercial judgement and clear communication **Preferred** ·      Familiarity with credit decisioning using bureau and open banking data ·      Experience in building Machine Learning models which convert into decision\-ready outputs ·      Ability to work with unstructured and incomplete datasets ·      Self\-motivated and solutions oriented, willing to challenge senior stakeholders. ·      Comfortable having your work challenged and defending your logic. ·      Bachelor’s or Master’s degree in Data Science, Statistics or a related field. We are not looking to outsources this role to external recruiters at this stage.