Staff Data Scientist

<p style="min-height:1.5em">LemFi (Series B) is building the go-to financial app for the Global South.</p><p style="min-height:1.5em"><br />Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.</p><p style="min-height:1.5em"><br />What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.</p><p style="min-height:1.5em"><br />With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.</p><p style="min-height:1.5em"></p><p style="min-height:1.5em">At LemFi, we're building the go-to financial app for the Global South. Moving to a new country shouldn't mean starting from zero, that's why our team of 400+ people spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they're from or where they live.</p><p style="min-height:1.5em">What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries.</p><p style="min-height:1.5em"></p><h2>The team you'll be joining and the impact you'll have</h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">You'll sit at the heart of LemFi's Credit function as the senior-most individual contributor for data science in the domain partnering across Credit Risk, Product, Engineering, Analytics, and Commercial teams to shape how we underwrite, monitor, and scale lending.</p></li><li><p style="min-height:1.5em">Your work will directly influence the quality of lending decisions, portfolio performance, and customer outcomes from improving approval logic and risk segmentation to identifying where the product can responsibly grow.</p></li><li><p style="min-height:1.5em">You'll help define the scientific and technical standard for credit decisioning at LemFi bringing rigour to experimentation, model development, monitoring, and the translation of insight into production systems.</p></li><li><p style="min-height:1.5em">This is a high-leverage role with real business consequence: your recommendations will inform decisions made by senior leadership on risk appetite, market expansion, and the long-term trajectory of LemFi's credit products.</p></li></ul><p style="min-height:1.5em"></p><h2>What you'll be doing from day one</h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Owning the end-to-end data science strategy for Credit identifying the highest-value opportunities across underwriting, pricing, line assignment, fraud/risk interaction, collections optimisation, and lifecycle decisioning.</p></li><li><p style="min-height:1.5em">Designing, training, validating, and iterating on predictive models that improve credit outcomes, using a strong mix of statistical thinking, machine learning, and practical judgement in a regulated environment.</p></li><li><p style="min-height:1.5em">Working closely with Data Engineering and software engineers to productionise models cleanly ensuring features, decision logic, and monitoring are reliable, version-controlled, and scalable.</p></li><li><p style="min-height:1.5em">Partnering with Product Managers and Credit leaders to translate ambiguous business problems into measurable hypotheses, model frameworks, experiments, and decision proposals.</p></li><li><p style="min-height:1.5em">Building robust monitoring frameworks for model performance, drift, fairness, and operational impact with a high bar for explainability and governance.</p></li><li><p style="min-height:1.5em">Leading deep-dive analyses into portfolio behaviour, repayment patterns, loss drivers, and customer segments to uncover actionable opportunities beyond surface-level metrics.</p></li><li><p style="min-height:1.5em">Acting as a technical mentor and thought partner to analysts, data scientists, and cross-functional stakeholders raising the bar on problem framing, methodology, and decision quality.</p></li></ul><p style="min-height:1.5em"></p><h2>Who you are</h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">A senior data scientist who combines strong technical depth with commercial judgement you care about shipping better credit decisions, not just building elegant models.</p></li><li><p style="min-height:1.5em">Comfortable operating at staff level: you can set direction in ambiguity, influence senior stakeholders, and improve systems through judgment rather than waiting for perfectly defined scope.</p></li><li><p style="min-height:1.5em">Scientifically rigorous but pragmatic, you know when a simpler model is the right answer, when experimentation is essential, and when operational constraints matter more than theoretical lift.</p></li><li><p style="min-height:1.5em">Highly credible with both technical and non-technical audiences able to debate methodology with data practitioners and then explain trade-offs clearly to executives.</p></li><li><p style="min-height:1.5em">Motivated by high-stakes, real-world decisioning where accuracy, fairness, and reliability matter because the product affects people's financial lives.</p></li></ul><p style="min-height:1.5em"></p><h2>What you'll bring</h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Significant experience in data science, machine learning, or quantitative decisioning roles, with meaningful time spent in consumer credit, lending, fintech, or another closely related risk-heavy environment.</p></li><li><p style="min-height:1.5em">Strong hands-on fluency in Python and SQL for model development, analysis, feature work, and investigative problem-solving.</p></li><li><p style="min-height:1.5em">Deep experience building and evaluating predictive models in production, including feature engineering, validation design, calibration, monitoring, and lifecycle management.</p></li><li><p style="min-height:1.5em">A strong grounding in credit risk concepts and portfolio metrics, including probability of default, loss behaviour, segmentation, and the practical use of bureau or alternative data.</p></li><li><p style="min-height:1.5em">Experience partnering with engineering teams to deploy decisioning or ML systems into live products, rather than operating purely in offline research environments.</p></li><li><p style="min-height:1.5em">A track record of turning analytical work into measurable commercial or risk outcomes for example improving approval quality, reducing losses, increasing conversion responsibly, or sharpening collections strategy.</p></li><li><p style="min-height:1.5em">Strong judgment in regulated or high-accountability settings, where explainability, controls, and decision quality are as important as raw model performance.</p></li></ul><h2><br />Why Join LemFi?</h2><p style="min-height:1.5em">Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.</p><p style="min-height:1.5em">At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.<br /><br />You can connect with us on <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/lemfi/">LinkedIn</a> and <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.instagram.com/uselemfi/">Instagram</a> and if you haven't already, download the app on the <a target="_blank" rel="noopener noreferrer nofollow" href="https://apps.apple.com/gb/app/lemfi/id1533066809">App Store</a> or <a target="_blank" rel="noopener noreferrer nofollow" href="https://play.google.com/store/apps/details?hl=en&amp;id=com.lemonadeFinance.android">Google Play</a>. </p><p>Find more <a href="https://www.arbeitnow.co.uk/english-speaking-jobs">English Speaking Jobs in United Kingdom</a> on Arbeitnow</a>