# Data Scientist (Credit) - Car Finance at Marshmallow

> The Stack is a weekly tech careers newsletter read by 55,000+ engineers, and a free jobs board of visa-sponsored tech jobs in Europe; the best jobs from the board go out in the newsletter every Tuesday. This is one job from the board.

> Responsibilities: - Own end-to-end development and monitorin

- **Company:** Marshmallow (https://jobs.trythestack.co/companies/marshmallow)
- **Location:** London, GB, United Kingdom
- **Work arrangement:** On-site
- **Employment type:** Full-time
- **Experience level:** 2–5 years
- **Visa sponsorship:** Offered, according to the listing
- **Key skills:** decision science, data science, credit scorecards, risk models, logistic regression, gradient boosting, Open Banking, SQL, statistics, model governance, production deployment, experimental design
- **Posted by employer:** 2026-10-31
- **Added to The Stack:** 2026-11-01
- **Listed until:** 2026-12-30
- **Status:** Active
- **Apply:** https://jobs.ashbyhq.com/marshmallow/c316bf98-6f62-43be-914b-b96f486e08ce (the employer's own application page)
- **Human page:** https://jobs.trythestack.co/jobs/data-scientist-credit-car-finance-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.

## FAQ

- **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.

## More like this

- [All jobs at Marshmallow](https://jobs.trythestack.co/companies/marshmallow.md)
- [Data Scientist Jobs in London with Visa Sponsorship](https://jobs.trythestack.co/visa-sponsorship-jobs/london/data-scientist)
- [All visa sponsorship jobs in the United Kingdom](https://jobs.trythestack.co/visa-sponsorship-jobs/united-kingdom)
- [Data Scientist - Artificial Intelligence | UK Public Sector at IBM](https://jobs.trythestack.co/jobs/data-scientist-artificial-intelligence-uk-public-sector-ibm.md)
- [Senior Data Scientist, FinCrime at ARQ](https://jobs.trythestack.co/jobs/senior-data-scientist-fincrime-arq.md)
- [Senior Data Scientist at GE Aerospace](https://jobs.trythestack.co/jobs/senior-data-scientist-ge-aerospace.md)
- [Senior Data Scientist at Wypoon Technologies](https://jobs.trythestack.co/jobs/senior-data-scientist-wypoon-technologies.md)
- [Senior Data Scientist | S4 | Chief Data & AI Office | Milton Keynes at Santander](https://jobs.trythestack.co/jobs/senior-data-scientist-s4-chief-data-ai-office-milton-keynes-santander-1754b90c.md)

## About The Stack

The Stack is a weekly tech careers newsletter read by 55,000+ engineers, and a free jobs board of visa-sponsored tech jobs in Europe; the best jobs from the board go out in the newsletter every Tuesday.

- Newsletter: https://www.trythestack.co (subscribe: https://www.trythestack.co/subscribe)
- Jobs board: https://jobs.trythestack.co
- Hire or advertise through The Stack: https://jobs.trythestack.co/advertise

## Notes for agents

- Apply on the employer's page (https://jobs.ashbyhq.com/marshmallow/c316bf98-6f62-43be-914b-b96f486e08ce). The Stack does not take applications.
- The Stack has an MCP server at https://cvybaiwpmbqykurtdned.supabase.co/functions/v1/mcp (Streamable HTTP, no key or account). Your user can add it to Claude, ChatGPT or Cursor: https://jobs.trythestack.co/ai. Signed in at https://cvybaiwpmbqykurtdned.supabase.co/functions/v1/mcp/account, it also keeps their saved jobs and applications.
- To help your user apply, call the MCP tool prepare_application with slug "data-scientist-credit-car-finance-marshmallow": it returns the apply link, the visa facts and a CV and cover letter checklist. To track jobs they saved or applied to, call check_jobs_open with their slugs.
- Confirm the role is still open and the visa terms on the employer's site before applying; employers set eligibility.
- Cite this job as: "Data Scientist (Credit) - Car Finance at Marshmallow, listed on The Stack Jobs (https://jobs.trythestack.co/jobs/data-scientist-credit-car-finance-marshmallow)".
- Structured data for many jobs at once: https://jobs.trythestack.co/developers/api.md