{"id":3408451,"url":"https://alion.io/job/youlend-senior-data-scientist","title":"Senior Data Scientist","company":{"id":172539,"name":"YouLend","domain":"youlend.com","url":"https://alion.io/company/youlend","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Pinpoint","truth_index":null},"role":"Data Science","role_family":"Data Science","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":100000,"max":100000,"currency":"GBP","period":"year","gross":null,"usd_annual":133088},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Machine Learning","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"Outlook","optional":true}],"status":"live","first_seen_at":"2026-10-27T16:55:26Z","employer_posted_date":"2026-10-27","last_verified_at":"2026-10-30T11:53:40Z","board_verified":true,"closed_at":null,"days_open":2,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":2},"description":"We’re looking for a Senior Data Scientist to join our growing Risk team. This hybrid role will be based in our London headquarters from where we support all our global businesses. Leveraging advanced analytics and machine learning, you’ll play a pivotal role in shaping the future of embedded finance. From developing and enhancing Probability-of-Default and Revenue-Forecasting models to uncovering insights that drive smarter decisions, your work will directly impact how businesses access finance and serve their customers better. You’ll work closely with cross-functional teams to integrate data-driven solutions into our products and strategies, helping businesses access finance and serve their customers better.\nKey Responsibilities\nAnalyse large, complex datasets to uncover patterns, insights, and trends that inform business decisions.\nBuild and deploy machine learning models to forecast financial outcomes, detect fraud, optimise credit risk, and enhance customer personalisation.\nDevelop and improve algorithms for financial services such as pricing or risk assessment.\nCreate compelling visualisations and dashboards to communicate findings to stakeholders.\nCollaborate with risk managers, engineers, and commercial teams to integrate data-driven insights into our products and strategies.\nPartner with the data and ML engineering team to ensure data pipelines are robust, scalable, and optimised for analysis and inference. \nContribute to best practices in MLOps and model lifecycle management.\nSkills, Knowledge & Expertise\nProven experience as a data scientist within a fintech Strong proficiency in Python and SQL for data manipulation, analysis, and model development.\nHands-on experience with a wide range of machine learning algorithms and foundational MLOps practices.\nAbility to design and build predictive models that solve real business problems.\nSkilled at translating complex data into clear, actionable insights for technical and non-technical audiences.\nExperience working with financial or transactional datasets is a plus.\nJob Benefits\nWhy join YouLend?\nAward-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” by the Sunday Times for being a supportive, diverse, and rewarding workplace. \nAward-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC. \n\nIt's just getting fun\nWe have developed powerful solutions, secured significant partnerships, and are growing rapidly. \nThe global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. \n\n Lots of upsides\nHigh-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business). \nWell-capitalised with supportive private equity backing. \nPart of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. \n\n Motivating work environment\n A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. \nStrong, transparent team culture: we have each other’s backs. \nIndependent work environment where results matter. \nData-driven culture and emphasis on speed (anti-red tape). \n\n We offer a comprehensive benefits package that includes:\nPrivate Medical Insurance (via Vitality)\nEAP with Health Assured\nEnhanced Maternity and Paternity Leave\nGreat office space (including a gym!) in Central London\nSubsidised lunch (via Feedr)\nDeliveroo allowance if working late in the office\nMonthly in-office masseuse\nTeam and Company socials\nSports clubs\n\nAt YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.","description_format":"text","description_chars":4061,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"phd","optional":false},"security_clearance":false,"languages":[]},"benefits":["Equity","Health insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commerce","Financial Services","Business & SME Lending"],"lifecycle":[{"event":"open","at":"2026-10-28T16:55:26Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":2,"expected_fill_days":17,"reasons":["conf:2","velocity","win:early"],"computed_at":"2026-10-30T05:48:23Z"},"pay":{"stated_usd_annual":133088,"is_top_pay":false},"html_url":"https://alion.io/job/youlend-senior-data-scientist","json_url":"https://alion.io/job/youlend-senior-data-scientist.json","meta":{"generated_at":"2026-10-30T15:25:34Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":3182,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-31T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":172539},"rest":"https://alion.io/mcp/rest/get_company?id=172539"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fyoulend-senior-data-scientist"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fyoulend-senior-data-scientist"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fyoulend-senior-data-scientist"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/youlend-senior-data-scientist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fyoulend-senior-data-scientist"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3408451}},{"tool":"search_jobs","arguments":{"company":"youlend.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3408451},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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