Research Scientist, Credit Kudos

Salary not provided

SQL

Python

Pandas

Scikit-Learn

Mid level

London

Using financial behaviour to measure creditworthiness

Job no longer available

Using financial behaviour to measure creditworthiness

1-20 employees

FintechB2CCredit ScoringB2BFinancial ServicesSaaS

Job no longer available

Salary not provided

SQL

Python

Pandas

Scikit-Learn

Mid level

London

1-20 employees

FintechB2CCredit ScoringB2BFinancial ServicesSaaS

Company mission

Credit Kudos' mission is to transform the credit scoring system to provide fairer credit for all; helping people access responsible finance they can afford, when they need it.

Job

Company

Role

Who you are

Grounding in statistics/CS theory and core Machine Learning principles
Can take a large dataset and answer key business questions in a repeatable, testable manner
Work in a scientific manner, establishing hypotheses, success criteria and conducting relevant experiments
Can bridge the gap between startup agility and scientific method, i.e. going from experimentation to production models
Have experience in relevant technology stacks, e.g. R, Python (pandas, scikit-learn), SQL etc

What the job involves

Credit Kudos is looking for a Research Scientist
We’re building a new kind of credit score powered by real financial behaviour
We’re looking for a motivated, enthusiastic Research Scientist / Machine Learning Engineer who is interested in modelling financial behaviour to improve the financial resilience of consumers and help democratise access to mainstream financial services
Credit plays an integral role in society and without accurate credit scoring we predict a huge section of the population will be unfairly excluded
You’ll be breaking new ground at the very heart of the business, making decisions that will steer lending outcomes for hundreds of thousands of people
Put simply, you’ll be analysing financial transaction data to understand what factors contribute to credit-worthiness
We’re building fair models of risk that are backed up by facts, so you’ll be utilising machine learning and predictive analytics to detect patterns in real financial behaviour that lead to defaults in loan repayments
Lending is as much about financial health as it is about propensity to repay, so you’ll be deconstructing and explaining your models to help consumers increase their financial resilience
As experimentation evolves, previously unknown ideas could likely have business impact, so you’ll be prototyping internal tooling for future experimentation
Data Science is an expansive field, so you’ll be exploring scientific research in parallel fields and presenting findings at relevant industry events (maybe even in exotic countries with white sandy beaches)
Debating the relative merits of London’s many craft breweries, coffee houses and carrot cakes

Salary benchmarks

Our take

Credit Kudos is an FCA-authorised credit bureau that uses financial behaviour to measure creditworthiness.

They aim to provide lenders, brokers and financial institutions with a highly accurate and transparent scoring system based on consumer consented data, providing a fairer representation of an individual’s creditworthiness. Credit Kudos’ solution enables lenders to make better decisions, whilst simultaneously helping previously overlooked individuals access credit.

Credit Kudos goes beyond traditional scoring, providing a comprehensive view of a borrower’s creditworthiness. They transform complex sets of information in their easy-to-use, digital first tools to help everyone make better lending decisions.