Data Scientist

Data Scientist

Car Money

Motherwell, ML1 4UF
/Hybrid

Salary – Competitive

40 Hours Monday to Friday

Car Money has become one of the UKs fastest growing finance brokers – and we’re still growing. Over the years we’ve come to work with a large panel of lenders and partners, with some big names like Gumtree, Compare the Market, and Motors joining us for the journey. But we’re not done growing yet, we’re constantly evolving and looking for new people to join our team.

We are currently looking for a highly motivated Data Scientist to join the Systems & Data team. This role is critical to supporting our operational performance, lender relationships, and commercial reporting. You will work with large volumes of automotive finance data coming from multiple online platforms and internal systems such as Auto Convert and our in-house databases. You will help the business understand performance, maximise lender targets and commission outcomes, automate reporting, and solve data-driven problems across the organisation.

1. Reporting & Insights

• Build, maintain, and automate daily, weekly, and monthly performance reports for Directors and senior stakeholders.
• Produce insights on lender performance, conversion funnels, commissions, and commercial targets.
• Carry out monthly profitability reviews and highlight actions to maximise revenue.
• Provide clear summaries of trends, issues, and opportunities based on multi-source data sets.

2. Data Management & Data Flows

• Manage and quality-check large datasets from internal systems and external platforms.
• Understand end-to-end data flows across systems (Auto Convert, SQL Server, Power BI, Excel, Azure).
• Ensure data accuracy, completeness, and consistency across reporting tools.
• Support the automation of manual processes by creating more efficient, scalable data pipelines.

3. Problem Solving & Investigation

• Investigate data anomalies, broken processes, unexpected performance changes, or lender issues.
• Work with Analysts, Lender Managers, Sales, and external vendors to identify root causes.
• Review lender filters, target changes, and decisioning rules to ensure alignment with business strategies.
• Analyse operational bottlenecks and provide actionable solutions.

4. Data Science & Advanced Analytics (If applicable to candidate)

• Build predictive insights and statistical models to support performance forecasting and optimisation.
• Assist in experimentation, A/B testing and analysis of pricing, lender strategies, or process improvements.
• Support development of decisioning tools, such as credit and risk modelling frameworks.

5. Cross-Department Collaboration

• Work closely with Sales, Lender Management, Marketing, Operations, and Leadership teams.
• Provide analytical support for new integrations, lender changes, or commercial initiatives.
• Communicate findings in a clear, structured manner—verbal and written.

• Extracting and cleaning data from internal tables and external systems.
• Updating and automating daily/weekly lender and performance reports.
• Monitoring lender acceptance and payout performance.
• Reviewing data to maximise commission, revenue, and lender success rates.
• Identifying data issues, duplicates, mismatches, or operational errors.
• Supporting system changes with testing and validation of new data flows.
• Working with the Data Manager on strategic analytics projects and automation.

Technical Skills

• Advanced Excel:
  Lookups, pivot tables, power queries, formulas, dashboards.
• Azure (preferably):
  Familiarity with Azure SQL, pipelines, Data Factory, or storage services.
• Strong SQL:
  Ability to query, manipulate, join, cleanse, and analyse large tables.
• Understanding of Data Flows:
  How data moves through systems, APIs, tables, and reporting layers.
• Power BI (bonus):
  Ability to build or update dashboards, measures, and visual reports.

Analytical Skills

• Ability to review large and complex data sets quickly and accurately.
• Strong problem-solving and troubleshooting ability.
• Comfort working with operational, financial, and commercial datasets.

Behavioural Skills

• Highly organised, with the ability to manage multiple tasks and deadlines.
• Strong attention to detail and a…