Senior Data Scientist - Full Stack

**Senior Data Scientist - Full Stack** *Please note visa sponsorship is not currently available for this position.* We are looking for a Senior Full Stack Data Scientist to join our Data & Analytics team at ClearScore. Data Scientists play a key role in our business, driving strategy and decision-making at all levels, which ultimately benefits our users, partners, and other teams across the organisation. We are seeking a proactive, outcomes-oriented individual, ready to take on broad ownership of a range of initiatives, to join our growing Global Targeting team. Working to enhance the ClearScore user experience through improved dynamic content targeting and prioritisation, you will take end-to-end ownership of data science and machine learning solutions across a variety of use cases, business areas, and markets. Your contributions will directly support the Global Targeting mission, enabling the organisation to realise its overall strategy. ClearScore is both a free credit score and report service and the UK's leading consumer credit marketplace. ClearScore has an amazing analytical community which includes Data Analysts, Scientists and Engineers. The community works collaboratively, sharing knowledge, tools, and best practice, to ensure a landscape in which team members can develop their full potential and deliver maximum positive business impact **What you will be doing:** - Leading the end-to-end development of data science and machine learning solutions - from business concept through to impact evaluation - to enable a better user experience through data-driven Targeting - Working closely with cross-functional stakeholders to shape how Data Science and the broader Targeting initiative can effectively support business needs to drive maximum impact - Helping to set the quality bar for what we put into production: scrutinising data, features and model behaviour, and surfacing problems in our data and processes before they reach our users - Identifying and implementing improvements and optimisations in our model development and management processes, driving more efficient and standardised ways of working, leading by example in what you deliver - Driving the strategic utilisation of model outputs for decision making, working with the Global Targeting squad to use model outputs to change what users see - Exploring new developments at the intersection of traditional Machine Learning and AI, and determining how they can be utilised effectively to drive better outcomes for our users and business **Skills we'd love you to have** - A self-starter mindset: curious, collaborative, and committed to continuous learning - including the adoption of new tools as they emerge - A desire to deeply understand a problem and its importance to the business before attempting to solve it, and being comfortable proactively seeking that context rather than waiting for it - A strong ability to think critically about, and reason concisely with, data. A drive to understand our users, products, and how users interact with them, and to build an advanced knowledge of our data assets and how these connect to our users’ financial wellbeing through the product experience - Advanced Python and SQL skills, and a strong understanding of dbt and Analytics Engineering for feature engineering. In-depth knowledge of varied statistical and machine learning techniques. You're capable across the full model lifecycle, including how models get deployed and maintained effectively in a production environment - Demonstrable experience of using business-domain knowledge to drive model development or derive insights from data - The ability to explain the key findings from complex analysis and modelling exercises to both technical and non-technical audiences. You feel at home interacting with stakeholders from across different specialisms around the organisation **We’d especially love to hear from you if you have** - Experience using AI tools as part of your everyday workflow, with the judgement to know what to trust, what to verify, and when the output isn't good enough. We’re increasingly adopting AI tools as part of our development cycle, so an interest and knowledge of harnessing these effectively would be highly valued - Experience developing or working on real-time / near real-time inference solutions and the infrastructure to support them - Experience working with and deploying solutions into Databricks - Experience working in a product-focussed environment, partnering closely with cross-functional teams to build and iterate quickly - A good understanding of consumer lending and the key drivers of credit and affordability strategies, as well as familiarity with credit bureau data and its effective utilisation for building predictive ML models - A postgraduate degree or equivalent qualification in a STEM field **Why ClearScore?** ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. Someone joins ClearScore every 20 seconds. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions. Since October 2016 we have helped 1.8 million users take out a new credit card or loan. We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do. Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth. If you feel like this could be the place for you, apply and our Talent team will be happy to share more. **Benefits:** - 25 paid holidays and a “duvet day” on your birthday - Hybrid Work Environment - Private health and dental cover - including mental health support through Bupa - GP office visits - Life assurance scheme - Up to 6% matched pension - Regular Lunch and Learns with guest speakers - Dog-friendly office - Daily breakfast and free snacks - Access to discounts via Cobens Extras - Free sports and social clubs - Continued investment into learning and development - Leadership-led training - In-house psychotherapist - Financial coach to help you plan and achieve your goals - No clock-watching culture - Generous maternity and paternity plans - Culture and inclusion representatives - Transparent pay structure and a career growth plan **Equal Opportunities** ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs. **Our Hybrid Model** We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Our approach is designed to foster innovation, team connection, and individual productivity. - Levels 1-5: Minimum 2 days per week in-office - Level 6 and above: Minimum 3 days per week in-office We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/ mentorship opportunities. **What This Means for You:** - Flexibility to manage your work and life - Dedicated in-office days for team building and collaborative projects - Office facilities (with plants!) designed for productive interactions - Clear expectations and support for maintaining our hybrid schedule We’re committed to creating an inclusive environment that accommodates diverse needs while maintaining our collaborative culture. Join us in shaping the future of work! *Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.* **Inclusion Policy** We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people. Please see our People Policy Notice at .