Capital On Tap

Senior Data Scientist (Credit Risk Modeller)

Join Capital On Tap as they are looking for a Senior Data Scientist (Credit Risk Modeller)

Running a business is hard, we make it easier. Our business credit card has helped over 200,000 businesses access credit and we hope to partner with over 1 million by the end of 2025. 

The Role:

Are you a driven and dedicated Data Scientist looking to work in a fast-moving environment and initiate meaningful change?

We are looking for a talented and experienced credit risk modeller to join the Data Science team in the continued success of our rapid growth trajectory. 


  • Build, implement and monitor IFRS9 models across the UK and US 
  • Develop predictive models, influencing our strategy across the entire customer lifecycle from marketing through to collections
  • Help coach and develop colleagues in various departments on data science tools and techniques, as well as taking a direct lead on the projects in these areas
  • Collaborate with business stakeholders to ensure risk analysis can be implemented seamlessly without deterioration to customer experience or complex IT builds

We are looking for:

  • 2-5+ years experience building statistical models in Python and extracting/manipulating data in SQL
  • Credit risk modelling experience including building IFRS9 models
  • Commercial acumen and a robust understanding of the economics underpinning revolving credit portfolios gained through either consultancy or direct work in a financial institution
  • Able to work autonomously and to display strong judgement and proactivity within a small credit team
  • Experience with some of our data stack would be beneficial but this is not a requirement. We use Snowflake (SQL based), DBT, FiveTran. Python / JupyterLab. Looker. Kubernetes cluster, hosted in Azure.

What you'll get in return

  • Annual Learning Budget of £1000 to spend on your development
  • Opportunities to grow and progress
  • Hybrid working arrangements
  • 28 Days Holiday (plus bank holidays)
  • Private Healthcare through Vitality

Check out more of our benefits, values and mission here.

Diversity and Inclusion

We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves. We welcome, consider and encourage applications from anyone that shares this passion.

How to Apply

If you want to progress your career within a fast growing, profitable fintech then click apply (all we ask for is your CV and contact details) and we will get back to you within 3 working days.