{"id":1956030,"url":"https://alion.io/job/zilch-senior-data-scientist","title":"Senior Data Scientist","company":{"id":51374,"name":"Zilch","domain":"zilch.com","url":"https://alion.io/company/zilch","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","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":null,"salary_estimate":{"min_usd":84000,"max_usd":165000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":39},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"Amazon SageMaker","optional":false},{"name":"CI/CD","optional":false},{"name":"Git","optional":false},{"name":"GitHub Actions","optional":false},{"name":"Looker","optional":false},{"name":"Machine Learning","optional":false},{"name":"NumPy","optional":false},{"name":"Pandas","optional":false},{"name":"Python","optional":false},{"name":"Scikit-learn","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-06T11:27:59Z","employer_posted_date":"2026-10-06","last_verified_at":"2026-10-17T10:32:38Z","board_verified":true,"closed_at":null,"days_open":10,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":10},"description":"Who we are:\nWe're one of Europe's fastest-growing fintech companies - on a mission to create the world's most empowering way to pay.\nWe launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.\nOur mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?\nAbout the Role.\nWe are seeking a talented and experienced Senior Data Scientist to join Zilch’s Risk team, with a focus on developing and optimising advanced models in the Risk space, primarily across credit risk, with additional focus on collections optimisation and fraud detection. You will leverage diverse data sources to support key areas across the business, building production-grade models and decisioning solutions that improve risk outcomes, customer experience, and operational efficiency. This role will involve close collaboration with cross-functional teams, including product managers, engineers, risk strategy, credit, collections, fraud, and other data scientists, to ensure data-driven insights are successfully integrated into product strategies, risk decisioning, and business growth initiatives.\nThis is a hands-on role for someone who combines strong applied machine learning with modern ML Ops practices. We are looking for a data scientist who can take models from exploration through to production, monitoring, and iteration.\nKey Responsibilities.\nWork with large and complex datasets to solve a wide array of challenging problems using various analytical and statistical approaches.\n\nApply technical expertise with quantitative analysis, experimentation, data mining, and the presentation of data to develop strategies for our products that serve millions of customers and thousands of merchants.\n\nBuild, validate, deploy, and monitor robust, scalable machine learning models and model pipelines across the risk lifecycle, including onboarding, affordability, life-time value, credit/default risk, in-life risk, collections, and fraud.\n\nPresent complex data science findings and methodologies to senior stakeholders clearly and concisely.\n\nApply machine learning methods to solve risk and product-related business problems and enhance our decision-making processes.\n\nContribute to the team’s coding efforts, ensuring best practices in version control, testing, CI/CD, model deployment, monitoring, methodologies, workflows, and tooling.\n\nConduct A/B testing, champion/challenger testing, and experimental analyses to evaluate new features, risk strategies, model changes, and product changes.\n\nPartner closely with engineering and platform teams to operationalise models, automate workflows, and improve model reliability in production.\n\nWhat We're Looking For.\n3+ years of hands-on experience as a data scientist, with a focus on building and deploying models to enhance the customer product experience, risk decisioning, and business outcomes, ideally within credit risk, collections, fraud, financial services, lending, payments, or another decision-intensive domain.\n\nProficiency in SQL, Python and core data science and machine learning libraries, such as NumPy, Pandas and Scikit-Learn.\n\nStrong practical experience with machine learning model development, deployment, monitoring, and iteration in production environments, including cloud-based model training, archiving, serving, endpoint deployment, and tools such as Amazon SageMaker or similar.\n\nExperience communicating complex ideas to non-technical audiences and senior stakeholders.\n\nStrong understanding of machine learning methods, their application in real-world scenarios and a keen awareness of their limitations.\n\nA strong engineering mindset, with the ability to write clean, maintainable, production-ready code, use version control systems such as Git, and collaborate effectively in a multi-developer environment.\n\nA results-driven approach, with the ability to quickly iterate and improve models in production.\n\nKnowledge of AI safety considerations, such as bias detection, privacy management, and handling personally identifiable information (PII).\n\nFamiliarity with software development best practices and continuous integration/continuous delivery (CI/CD) pipelines, such as GitHub Actions.\n\nExperience using DBT for data modelling and Looker for BI reporting.\n\nAn interest in staying up to date with evolving technologies and applying them to enhance business outcomes.\n\nNice to Have.\nThe following are bonuses rather than strict requirements. We do not expect candidates to have all of them:\nPrior experience in credit risk modelling, collections optimisation, fraud detection, or risk strategy.\n\nFamiliarity with risk model governance, explainability, fairness, affordability, or regulatory considerations in financial services.\n\nExperience with decision science, automated decisioning systems, decision engines, or risk strategy implementation.\n\nExperience applying neural networks or deep learning approaches to practical risk, fraud, or decisioning problems.","description_format":"text","description_chars":5097,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-10-06T12:57:01Z"}],"visa":[],"liveness":{"score":89,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.886,"p_room":1,"age_days":10,"expected_fill_days":43,"reasons":["conf:1","velocity","win:early"],"computed_at":"2026-10-17T05:46:00Z"},"pay":null,"html_url":"https://alion.io/job/zilch-senior-data-scientist","json_url":"https://alion.io/job/zilch-senior-data-scientist.json","meta":{"generated_at":"2026-10-17T10:46:36Z","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":14068,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-18T00:00:00Z"}},"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":51374},"rest":"https://alion.io/mcp/rest/get_company?id=51374"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fzilch-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%2Fzilch-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%2Fzilch-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/zilch-senior-data-scientist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fzilch-senior-data-scientist"}]}