iwoca on cord

iwoca

Data Scientist

External position
London, UK
Hiring internally for iwoca?
FinTech · Data
At iwoca, we believe finance should feel like a superpower, not a headache.
Active
a month ago
Posted
2 weeks ago
Checked
cord regularly checks that external positions are still open
11 hours ago

Skills & Experience

Job roles: Data Scientist
Experience level: Mid, Senior
Core skills considered: Artificial Intelligence, Data Analysis, Data Modeling
Other skills considered: Machine Learning, Python

Logistics

Base salary: £60K - £90K
Employment type: Permanent
Remote working: Hybrid
Visa sponsorship: Not available

Job Description

You'll work on the credit models that sit at the core of iwoca's lending business - the models that decide who we lend to, on what terms, and how far the product can grow.

You'll run credit and CLtV modelling projects alongside the rest of the team. The work spans keeping production models healthy, incremental development, and research that reshapes how the models work. AI has lowered the cost of prototyping enough that ideas which used to sit below the priority line are now viable, so the R&D share of the role is growing.

Live examples of the work:

  • Causal estimation of offer terms. Modelling how amount, duration, and price shape customer outcomes.
  • Unifying auto and manual models. The two families were built without forced technical alignment. Finding a principled way to unify them on a common cost function is open work.
  • IFRS accounting model. A multi-stage credit model where information propagates back from later-stage recovery predictions to sharpen upfront loss estimates.
  • Generalising credit and CLtV. Whether a more general framing could replace both separate models is an open research question.

Requirements

Essential:

  • Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
  • Statistical foundations. You have a background in probability and statistics from a quantitative field. You reason about uncertainty and calibration as first-order concerns.
  • Research mindset. You're actively exploring new ways to add value. R&D time is when you expect to find the next step change.
  • Judgement. You critically evaluate model output - yours, a colleague's, or an LLM's - and can explain why a choice is right. You defend your reasoning under challenge, and challenge others' when the evidence points elsewhere.
  • Analytical ownership. You take ambiguous problems end to end, from framing to a landed decision. You like to move fast, iterate, and update on new evidence rather than chase perfection.
  • AI fluency. You use AI as a primary tool. You prototype with it, automate with it, and take on R&D that would not otherwise be viable. You use judgement on where it helps and where it doesn't.

Bonus:

  • Domain experience. You have worked in credit risk, lending, or customer lifetime value modelling.
  • Production ML. You have built and shipped supervised ML models end to end - exploration, training, deployment, monitoring.
  • Non-linear methods. You can think in terms of the cost function and inductive biases of your models
  • Bayesian methods. You have used hierarchical models, MCMC, or Bayesian updating in real work.
  • Time series modelling. You have modelled temporal data where autocorrelation, drift, or seasonality mattered.
  • Python. The stack the team uses.

Company Benefits

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.


The offices

We put a lot of effort into making iwoca a brilliant place to work:

  • Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks

  • Events and clubs, like bingo, comedy nights, yoga classes, football, etc.


The benefits

  • Flexible working.

  • Medical insurance from Vitality, including discounted gym membership.

  • A private GP service (separate from Vitality) for you, your partner, and your dependents.

  • 25 days’holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.

  • A one-month, fully paid sabbatical after four years.

  • Instant access to emotional and mental health support.

  • 3% Pension contributions and share options.

  • Generous parental leave and a nursery tax benefit scheme to help you save money.

  • Cycle-to-work scheme and electric car scheme.

  • Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.

And to make sure we all keep learning, we offer:

  • A learning and development budget for everyone.

  • Company-wide talks with internal and external speakers.

  • Access to learning platforms like Treehouse.

Useful links:

Data Scientist at iwoca
Position posted 2 weeks ago

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Starling Bank on cord

Starling Bank

Full Stack Engineer (ML Ops)

London, UK
FinTech · Banking · Finance
A better bank for everyone
Active
over 6 months ago
Responds to
0% of requests
Responds in
1h 55m
Requests
7 pending

Skills & Experience

Job roles: Full Stack
Experience level: Mid, Senior
Core skills considered: Java, React, Redux, AWS, JavaScript

Logistics

Base salary: £70K - £110K
Employment type: Permanent
Remote working: Hybrid (up to 2 remote days p/w)
Visa sponsorship: Not available

Job Description

Starling is the UK’s first and leading digital bank on a mission to fix banking! Our vision is fast technology, fair service, and honest values. All at the tap of a phone, all the time.

Starling is the UK’s first and leading digital bank on a mission to fix banking! We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way.

We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.

Our technologists are at the very heart of Starling and enjoy working in a fast-paced environment that is all about building things, creating new stuff, and disruptive technology that keeps us on the cutting edge of fintech. We operate a flat structure to empower you to make decisions regardless of what your primary responsibilities may be, innovation and collaboration will be at the core of everything you do. Help is never far away in our open culture, you will find support in your team and from across the business, we are in this together!

The way to thrive and shine within Starling is to be a self-driven individual and be able to take full ownership of everything around you: From building things, designing, discovering, to sharing knowledge with your colleagues and making sure all processes are efficient and productive to deliver the best possible results for our customers. Our purpose is underpinned by five Starling values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.

Hybrid Working

We have a Hybrid approach to working here at Starling - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person. We don't like to mandate how much you visit the office and work from home, that's to be agreed upon between you and your manager.

Our Data Environment

Our Data teams are excited about the value of data within the business, powers our product decisions to improve things for our customers and enhance effective and agile decision making, regardless of what their primary tech stack may be. Hear from the team in our latest blogs or our case studies with Women in Tech.

We are looking for talented data professionals at all levels to join the team. We value people being engaged and caring about customers, caring about the code they write and the contribution they make to Starling. People with a broad ability to apply themselves to a multitude of problems and challenges, who can work across teams do great things here at Starling, to continue changing banking for good.

Requirements

We have built our entire banking platform in house and mostly in Java. We are looking for people who want to work on building the tooling that is used by our engineers on a daily basis.

We are looking for people who are truly full stack, and are as comfortable polishing their javascript front end as they are debugging the innards of their java applications database interactions, or standing up infrastructure with terraform. We are looking for people who can:

  • Design REST apis.
  • Code backend services, ideally using Java, or another other server side compiled language.
  • Develop modern front ends, ideally using React and Redux.
  • Get their code into the cloud and support it there, ideally on AWS.
  • Believe in clean coding, simple solutions, automated testing and continuous deployment.
  • Like to take ownership of a feature from the original idea through to live.
  • Think (like us) that a small number of empowered developers is the right way to deliver software.

Company Benefits

  • 33 days holiday (including flexible bank holidays)
  • An extra day’s holiday for your birthday
  • 16 hours paid volunteering time a year
  • Part-time and/or flexible hours available for most roles
  • Salary sacrifice, company enhanced pension scheme
  • Life insurance at 4x your salary
  • Hybrid/remote working
  • Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
  • Generous family-friendly policies
  • Varied social groups set up and run by our employees
  • Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
  • Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

Full details are available on our careers site

Interview Process

Interviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious. In general you can expect the below, following a chat with one of our Talent Team:

  • Stage 1 - 30 mins with one of the team
  • Stage 2 - Take home challenge
  • Stage 3 - 90 mins technical interview with two team members
  • Stage 3 - 45 min final with an executive and a member of the people team
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