Senior Data Scientist & AI Specialist, Creditspring
£70-80k
+ Equity participation
2-3 days a week in office
A subscription service offering interest-free loans
Be an early applicant
A subscription service offering interest-free loans
101-200 employees
Be an early applicant
£70-80k
+ Equity participation
2-3 days a week in office
101-200 employees
Company mission
To change the way people deal with unexpected expenses and help them gain financial stability.
Role
Who you are
- Proven experience in data science, machine learning, and AI, ideally in fintech or consumer credit
- Strong programming skills in Python and SQL; familiarity with cloud platforms (e.g., AWS, GCP) and ML frameworks (e.g., TensorFlow, PyTorch, XGBoost)
- Deep understanding of statistical modeling, predictive analytics, and data engineering principles
- Excellent communication skills and ability to influence stakeholders across technical and non-technical domains
- Experience with Agile methodologies and working in cross-functional teams
- Passion for financial inclusion and using data to drive positive social impact
- Ability to work independently and take ownership of complex projects from ideation to deployment
What the job involves
- We are seeking a highly experienced and visionary Senior Data Scientist & AI Specialist to join our Data and Analytics team
- This is a senior individual contributor role, ideal for someone who thrives on solving complex problems, driving innovation, and applying advanced analytics and machine learning to real-world challenges
- You will lead the development of predictive models, AI-driven solutions, and data products that directly impact our members’ financial wellbeing
- You’ll collaborate with cross-functional teams, mentor junior analysts, and help define the strategic direction of data science and AI at Creditspring
- Advanced Modeling & AI Development: Design, build, and deploy machine learning models and AI systems to support credit risk, member engagement, and operational efficiency
- Strategic Data Leadership: Act as a thought leader in data science and AI, identifying opportunities for innovation and guiding the roadmap for data-driven initiatives
- Cross-Functional Collaboration: Work closely with Product, Engineering, and Operations to translate business needs into scalable data solutions
- Mentorship & Technical Guidance: Support and mentor junior data scientists and analysts, fostering a culture of learning and excellence
- Data Infrastructure & Tools: Contribute to the development and optimization of our data pipelines, tooling, and infrastructure
- Experimentation & Validation: Design and run experiments to validate hypotheses, measure impact, and continuously improve our models and algorithms
- Ethical AI & Compliance: Ensure all AI and data science practices align with ethical standards and regulatory requirements
Salary benchmarks
Our take
Unexpected expenses are inevitable. However, there are limited and unfavourable options when it comes to managing these expenses: overdrafts are confusing, credit cards are risky, and payday loans are expensive. Creditspring aims to solve this problem by creating financial services that can help people manage their unexpected expenses.
Creditspring differentiates itself by not charging interest on its loans: clients only pay a fixed membership fee in addition to what they borrow. What's more, Creditspring sets out to improve the financial stability of its clients by offering budgeting tips, ways to improve their credit score and a personalised score that is updated every month- allowing them to monitor their improvement.
Kirsty
Company Specialist at Welcome to the Jungle
Meet the team
Luke Chapple, Senior Customer Operations
Insights
Company
Employee endorsements
Opportunities to learn
"Creditspring enables you to develop your skills while allowing for personal growth within the company. By being constantly encouraged to think..."
Funding (last 2 of 6 rounds)
Jul 2022
$10.9m
SEED
May 2022
$64.7m
GROWTH EQUITY VC
Total funding: $87.2m
Company benefits
- 🛋 Hybrid & flexible working - we also give you the option to work from anywhere
- 🩺 Bupa health insurance with medical history disregarded and including enhanced cover for cancer and mental health. Free Digital GP service (24/7) included. No cost to you for adding dependents to your policy.
- 🏋️♀️ 1:1 Private health and wellbeing assessments, ongoing health and wellbeing coaching and support through HAWQ with workshops and socials
- 🧑🏫 £1000 annual training budget
- 💰 Equity participation
- 🧘🏽♀️£600 annual Juno flexible wellbeing budget
- ⚕️Bupa health cash plan to help with everyday medical expenses such as dental and optical
- 🏄🏻♀️ 25 days paid holiday increasing by one day per year up to a maximum of 30 days, plus public holidays
- 🍱 New starter team lunches
- 🕺Regular social & team events
- 👶🏼 Workplace Nursery Scheme
- 💻 Company Apple Macbook & WFH accessories
Company values
- Do the Right Thing
- Work Together
- Love What You Do
- Don't Settle
- Take Smart Risks
Company HQ
Soho, London, UK
Articles
Leadership
Neil Kadagathur
(Co-Founder & CEO)Studied Economics at Princeton University. Previously Executive Director at Goldman Sachs for 12 years.
Sabrina Loi
(Chief Product Officer)They were a Deputy Creative Director at Soleja for 12 years. Their experience lies in the design industry as a professor and a consultant.
People progressing
Jenni joined Creditspring in 2021 as a Junior Product Designer, since then they have been promoted to Product Manager and Senior Product Manager.
Jonika joined Creditspring in 2020 as a Marketing Executive, and since then they have worked their way up to become a Senior Communications Manager.
In 2022, Reise joined Creditspring as a Customer Operations executive. In 2025, they moved into the Product team and is now an Associate Product Analyst.
Diversity, Equity & Inclusion at Creditspring
Linda Murphy-Ericsson (People & Culture Partner)
- Our Goal: We’re committed to Creditspring being an inclusive environment where everyone feels welcomed, valued, and listened to; We want you to thrive as your true self.
- What do we do to get there? We capture and monitor metrics that feed into our Diversity DNA, such as our gender split, both company-wide (Currently 47% females, which is higher than our industry average of 28%) We are also proud to share that our leadership team is 40% female, compared to an average of 10% industry-wide. We monitor and benchmark ourselves to ensure we are accountable and set ambitious yet realistic goals. We are trying to drive a change that we would like to see outside of Creditspring.
- We regularly review and refine our hiring process to tailor all communications, job listings, and channels where we reach and meet talent in ways that are inclusive in all shapes and forms. We know females and people from underrepresented groups are often hesitant to apply for jobs they don’t tick all the boxes for, so we are actively encouraging all to apply. We hire based on skill and skill only, but we are also keen advocates of the notion that skills can be taught.
- Learning and Development are of great importance to us, and we have a generous annual budget for everyone working here. We recently launched our L&D catalogue and have many more initiatives to help our team find courses, training, and events that will be useful and further their progress in their career.
- Everyone who joins us is enrolled in a course on Unconscious Bias, just as with compliance training, this is a very important piece in our commitment to creating inclusive spaces for everyone.
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