Source Job

• Lead a high-calibre ML team to shape Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion.
• Improve underwriting, pricing, limits, and lifecycle decisioning through faster model iteration and new data sources.
• Partner with leaders across Credit Strategy, Product, Engineering, and Data to drive commercial impact and long-term strategic advantage.

Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and pensions. As a rapidly growing fintech with a strong UK presence, we foster an inclusive culture focused on innovation and customer delight.

• Design, develop and deploy advanced statistical or machine learning models for credit risk, pricing, collections, fraud, and other high-impact business use cases.
• Lead end-to-end delivery of data science initiatives from problem framing through deployment and monitoring.
• Partner with cross-functional teams including Portfolio Strategy, Engineering, Product, and Sales to integrate models and solve critical business problems.

Forward Financing is a fintech company that unlocks capital for small businesses across America. Since 2012, it has provided over $4.8 billion in funding to more than 92,000 small businesses and is recognized as a Best Place to Work by Built In Boston.

• Develop, validate, and optimize statistical and machine learning models including regression and XGBoost to detect and prevent fraud.
• Design features, build tools, and deploy models in production environments to improve performance and stability.
• Conduct model governance activities including validation, documentation, and ongoing monitoring with clear reporting.

Experian is a global data and technology company powering opportunities for people and businesses worldwide, operating across financial services, healthcare, automotive, and more. With 23,300 employees in 32 countries, the company is a FTSE 100 Index listed firm recognized for its people-first culture and advanced technology investments.

• Analyze and assess risk by examining financial data, transaction patterns, and user behavior to identify fraud, credit, and compliance risks.
• Develop and implement risk controls by partnering with product, engineering, and data science teams to build automated decisioning systems.
• Contribute to strategic planning by providing insights on risk trends and policy improvements to support company growth.

Found builds tools to give self-employed people the security of big corporations through a business bank account that automates taxes and expense tracking. The company is a growing fintech startup with a diverse team, offering a collaborative culture focused on making a meaningful impact.

• Work directly with TelCo clients to uncover emerging fraud trends and co-build detection models using cross-industry data.
• Translate ambiguous client questions into clear analytical plans and execute them independently from start to finish.
• Build reusable tools, templates, and analytical frameworks to scale the fraud analytics consortium offering.

Experian is a global data and technology company that redefines lending, prevents fraud, simplifies healthcare, and creates digital marketing solutions across multiple industries. As a FTSE 100 company with 23,300 employees across 32 countries, they prioritize innovation, inclusion, and a people-first culture.

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor and manage retail credit exposures from origination to portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.

CloudWalk is building the future of payments, operating as a Type 3/Segment S3 financial institution in the payments and acquiring space. The company focuses on risk management and innovation, with a high-performing team that values data, automation, and AI.

• Collaborate with engineering to define the technical architecture and strategy for risk management systems and tools.
• Analyze fraud, scam, and abuse patterns on crypto and fiat products, and create reports tracking loss metrics, false positives, and operational efficiency.
• Apply statistical methods and targeted machine learning techniques to improve decision quality, operational efficiency, and signal detection.

Shakepay builds financial services to make buying and accumulating bitcoin simple, fast, and secure for Canadians. They are a regulated company with over a million users, backed by top venture capital investors with $44M in total funding, and have a passionate, growing community.

• Analyze banking transactions and enhance fraud detection algorithms using graph-based analysis of financial data.
• Build and integrate ML models, including classic, graph-based, and neural network approaches, into the Fraud Protection platform.
• Document research findings and present them to stakeholders, contributing to broader graph-related tasks like GraphRAG components.

Group-IB is a leading cybersecurity technology creator dedicated to investigating, preventing, and fighting digital crime. With over 1,550 cybercrime investigations and 600+ enterprise customers globally, the company operates Digital Crime Resistance Centers across multiple regions, fostering a culture of mission-driven innovation and global collaboration.

• Build analytics and procedures to monitor credit performance and protect Thrive’s bottom line.
• Produce reporting and dashboards that communicate credit risk trends to stakeholders.
• Monitor credit underwriting models and leverage AI/automation for more efficient insights.

Thrive Financial is a mission-driven fintech focused on enabling responsible, accessible financing. The company is in high growth mode and offers a fully remote, collaborative environment.

• Design, develop, and optimize predictive risk models and decision frameworks across payment rails and cryptocurrency domains.
• Partner with Product, Engineering, and Operations to embed model-driven risk decisioning throughout the customer journey.
• Conduct deep-dive investigations into fraud events and payment losses, supporting model governance and regulatory review.

Binance.US is a licensed and regulated U.S. crypto platform providing secure access to over 190 cryptocurrencies with low fees. It is a remote-first team of innovators building the bridge between traditional finance and Web3, committed to financial freedom for all.

• Drive credit risk frameworks for new acquisition channels including aggregator sites and marketing networks.
• Optimize underwriting and real-time decisioning strategies for a seamless customer experience.
• Shape product and pricing economics, including NPV modeling and promotional offers.

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, credit cards, and more. They have a growing team and a culture of data-driven decision making and innovation.

• Own end-to-end responsibility for building identity verification machine learning models from prototyping to production.
• Establish key metrics, derive data-driven insights, and conduct experiments to assess product impact.
• Collaborate with Product Managers, Data Scientists, and Engineers to develop state-of-the-art document detection and fraud detection algorithms.

Veriff provides AI-powered identity verification using image recognition, document detection, and fraud detection. With a diverse team in the US, UK, Spain, and Estonia and backing from investors like Accel and Y Combinator, they are dedicated to building a safer online world.

• Set the technical strategy for your team, tying together critical projects across repayment, collections, recovery, and loss mitigation.
• Act as a force-multiplier by defining and advocating technical solutions and operational processes.
• Collaborate with product management, design, analytics, and risk to ensure technical sustainability and manage trade-offs.

Affirm is reinventing credit to make it more honest and friendly, giving consumers flexibility to buy now and pay later without hidden fees. The company is remote-first with a focus on people-first culture and offers competitive benefits.

• Own the end-to-end data science lifecycle for moderately complex models, from data ingestion to deployment and monitoring.
• Apply expertise in machine learning and statistics to solve marketplace problems, including bidding, yield modeling, and experimentation.
• Mentor junior data scientists and influence technical decisions within the team.

OpenX focuses on unleashing the economic potential of digital media companies by building digital advertising markets and technologies. The company is a growing and scaling team that values thoughtful, creative executors and a blend of market design, technical innovation, and operational excellence.

• Own end-to-end analytical problems from framing through modeling and stakeholder rollout.
• Build predictive and inferential models to improve product and operational decisions.
• Partner with Product, Engineering, and Operations to define metrics and drive insights.

Focal Systems is the industry leader in retail AI solutions, using deep learning computer vision to automate and optimize brick and mortar retail. They are a tight-knit team with an ambitious mission, deployed at scale with top retailers worldwide.

• Own the roadmap for Data Sources across document parsing, fraud detection, and bank aggregation.
• Drive metrics like parse accuracy, fraud catch rate, and bank connection success to improve platform reliability.
• Lead and mentor PMs and engineers while representing Truv's data sources story to clients and externally.

Truv builds infrastructure for consumer-permissioned income, employment, identity, and asset verification. They are a growing startup working with lenders and financial institutions, fostering a diverse and equal opportunity culture.

• Own the fraud P&L and set the fraud strategy across all products.
• Lead, develop, and build a strong second line of leadership in the Risk & Fraud team.
• Partner cross-functionally with Product, Engineering, Finance, and Legal to embed fraud risk from the start.

Eneba builds an open, safe, and sustainable marketplace for gamers, supporting close to 20 million active users. The company has a fast-growing, high-volume digital business with a culture focused on trust, safety, and scalability.

• Lead development of AI-driven credit risk analytics and portfolio management frameworks.
• Serve as the connect point between Credit Risk and Capital Markets, translating complex models into investor narratives.
• Drive strategic initiatives to enhance risk-adjusted returns and support scalable growth through advanced analytics.

Achieve is a digital personal finance company that helps people move from struggling to thriving through innovative financial solutions. Since 2002, we've grown into one of the largest private consumer fintech unicorns in the U.S. with over 3,000 employees in hybrid and remote roles across the country.

• Build statistical models and machine learning solutions to surface trends and benchmarks from employee relations case data.
• Apply NLP and text analytics to extract structure from unstructured case notes and improve anonymization pipelines.
• Collaborate with Product and Engineering to translate analytical findings into product decisions and customer-facing insights.

HR Acuity provides employee relations case management and investigation software, helping organizations standardize workplace issue reporting. They are a fast-growing, innovative company with a female founder CEO and an inclusive culture.

• Design, build, and scale cloud-based data platforms that support critical business insights and operations.
• Collaborate with cross-functional teams to extract, load, and transform data using cloud-native principles.
• Mentor engineers and drive architectural direction through code reviews, testing, and documentation.

Credit Acceptance is a leading used car finance company in the United States. It has a world-class culture shaped by dedicated Team Members and a shared drive to succeed.