Senior Data Scientist

About Us

You Lend is a rapidly growing Fin Tech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

Weare seekinga talented Senior Data Scientist to develop and enhance Probability-of-Default and Revenue-Forecasting models,leveragingadvanced data analysis and machine learning techniques to drive impactful business insights.

• Analyse large, complex datasets to uncover patterns, insightsandtrendsthat inform business decisions
• Build and deploy machine learning models to forecast financial outcomes, detect fraud, optimise credit risk, and enhance customer personalisation
• Develop and improve algorithms for financial services such as pricing or risk assessment
• Create compelling visualisations and dashboards tocommunicatefindings to stakeholders
• Work closely with product managers,engineers and other teams (such as commercial) to integrate data-driven insights into our products and strategies
• Partner with data engineering teams to ensure data pipelines are robust, scalable, and optimised for analysis

• 4+ years of experience as a Data Scientist, ideally within a Fin Tech or high-growth startup environment
• Expertise in Python and SQL
• Ability to communicate effectively to technical and non-technical stakeholders
• Proficient in machinelearningalgorithms and foundationalMLOpstechniques
• Experienced with analysing a range of data, but financial/transactional data would be considered a plus

• Award-Winning Workplace:
  
  You Lendhas been recognised as one of the “Best Places to Workin 2024 and
  2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech:
  
  You Lendhas been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
• But the global opportunity is still massive, andYouLendis a raw organisation where we are only just getting started.

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
• Well-capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
• Strong and transparent team culture, we have each other’s backs.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed (anti-red tape).

• Stock Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League /Paddle and Yoga Club

At You Lend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.