Data Scientist (Credit) - Car Finance at Marshmallow
At a glance
- Company
- Marshmallow
- Location
- London, GB, United Kingdom
- Work arrangement
- On-site
- Employment type
- Full-time
- Experience
- 2–5 years
- Working hours
- 40 hours
- Visa sponsorship
- Offered, according to the listing
- Posted
- Added to The Stack
✨ The Stack take on this Marshmallow job
- 🏢 Marshmallow has 6 jobs here, 6 with visa sponsorship see all
- 📊 28 Data Scientist jobs in the United Kingdom in the last 60 days see them
- 🛂 Skilled Worker visa. Standard minimum salary: £41,700 a year guide
- 💡 No salary shown. Ask Marshmallow if it is above the minimum.
Updated 2026-11-01, from our data and official sources.
Apply for this role at Marshmallow
About the role
Responsibilities:
- Own end-to-end development and monitoring of credit scorecards and risk models using bureau, Open Banking, application and behavioural data.
- Design and run experiments to test credit strategies, pricing tiers and limits; measure impacts on risk, volume and margin.
- Analyse portfolio performance to surface drivers of losses, approvals and customer behaviour.
- Work with engineers to deploy models into the decision engine and maintain production monitoring.
- Ensure models are fair, explainable and meet governance and compliance requirements.
- Present recommendations to stakeholders and iterate based on operational feedback.
Requirements:
- 2–5 years in decision science, credit analytics or data science within consumer lending or regulated finance.
- Experience building credit scorecards or risk models (logistic regression, gradient boosting or similar).
- Strong SQL and data manipulation skills; solid foundation in statistics and experimental design.
- Experience with bureau data and Open Banking or equivalent alternative data is highly desirable.
- Familiarity with model governance, monitoring and deployment into production decision systems.
- Clear communicator able to translate technical findings into actionable lending decisions.
Responsibilities
Build, validate and monitor credit scorecards and decisioning rules using bureau, Open Banking and internal data. Design and test credit strategies, pricing tiers and limits, balancing risk, volume and margin; work with engineers to deploy models into production decision engines and monitor their impact.
Requirements
2-5 years in decision science or data science within consumer lending or regulated financial services; experience developing credit scorecards or risk models (logistic regression or gradient boosting); strong SQL skills; understanding of statistics and model governance; ability to translate model outputs into lending decisions.
Key skills
- decision science — in 1 other listing on The Stack
- data science — in 85 other listings on The Stack
- credit scorecards — not in any other listing on The Stack
- risk models — not in any other listing on The Stack
- logistic regression — not in any other listing on The Stack
- gradient boosting — not in any other listing on The Stack
- Open Banking — in 2 other listings on The Stack
- SQL — in 512 other listings on The Stack
- statistics
- model governance
- production deployment
- experimental design
On The Stack (as of 2026-11-01)
Frequently asked questions about Marshmallow
Is this Data Scientist (Credit) - Car Finance role still open?
It was posted on 2026-10-31 and is listed as active on The Stack. Confirm on Marshmallow's application page before applying.
Does Marshmallow offer visa sponsorship?
This listing is marked as offering visa sponsorship. Eligibility rules are set by the employer, so check the details on Marshmallow's site.
Where is this role located?
The listing gives the location as London, GB, United Kingdom. It is marked on-site.
What skills does this role ask for?
The listing names: decision science, data science, credit scorecards, risk models, logistic regression, gradient boosting, Open Banking, SQL, statistics, model governance, production deployment, experimental design.