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Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the iwocaPay Risk Squad
You'll own credit models that decide who iwocaPay can safely fund and on what terms. The team is small, the product is growing, and you'll shape how risk modelling is built – not just maintain what exists.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The function
iwoca's Data Scientists specialise in supervised machine learning, statistical inference and exploratory data analysis, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets.
The team
iwocaPay is iwoca's B2B Buy Now Pay Later product. The Risk Squad owns the automated credit decisioning and fraud prevention models that influence every lending decision the product makes. The squad also handles counterparty risk, portfolio-level strategy, and ongoing monitoring of losses, chargebacks, and segment performance.
You'll co-own the full credit modelling stack with one other data scientist. You’ll collaborate on model design, review each other's work, and choose what to prioritise. Your models directly control which small businesses get access to funding, on what terms, and how far the product can grow.
What you'll get out of it:
Complex problems to solve
Work on interesting, open modelling problems rather than maintenance. Improving how the model performs across segments, test more advanced approaches, and build models from scratch for new products.
Real influence
You own the models end to end, and your decisions carry commercial weight.
Room to develop
A small team on a growing product means broad remit, fast growth, and a say in how the team's pipelines, monitoring, and processes get built.
Work at office
Full time
London
Applications for this job are handled on the company's own website.
এই চাকরির জন্য বিজ্ঞাপনদাতা ব্যক্তি/প্রতিষ্ঠান আপনার কাছ থেকে কোন অর্থ চাইলে কিংবা নিয়োগ প্রক্রিয়া চলাকালীন কোন প্রকার হয়রানিমূলক (শারীরিক/মানসিক) আচরণ করলে অতিসত্বর আমাদেরকে জানান অথবা জবটি রিপোর্ট করুন। চাকরি পাওয়ার জন্য কোন ব্যক্তি/প্রতিষ্ঠানকে অর্থ প্রদান করবেন না। চাকরিকালীন কোন প্রকার হয়রানির (শারীরিক/মানসিক) সম্ভাবনা থাকলে সেখানে জয়েন করবেন না। কোন প্রকার অর্থ লেনদেন বা নিয়োগদাতা কর্তৃক হয়রানির দায়িত্ব Chakrie বহন করবে না।
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