Data Scientist (Credit Risk)

Job Description

The role of Data Scientist (Credit Risk) is important to us. They will be responsible for designing, building, validating and maintaining the credit risk models that will sit at the heart of how Radius makes credit decisions. The role will also share responsibility for data modelling and engineering within the credit department.

We will be happy to welcome you to our office in Crewe, with working hours from Monday to Friday from 8.30 am to 5.30 pm.

Your daily responsibilities will be...

• Design, build and validate credit risk models – application scorecards, behavioural scorecards, recovery propensity and lifetime-value models: using modern techniques such as gradient boosting and survival analysis.
• Translate credit and commercial questions into clear modelling problems, and turn model outputs into decisions the business can act on.
• Validate model performance and design monitoring so models stay accurate as the portfolio changes (for example Gini / CAP tracking and population stability).
• Work hands-on with raw data from multiple source systems, shaping it into clean, model-ready datasets.
• Partner closely with the Head of Credit Insights, the wider analytics team, Finance and Commercial to make sure models drive real credit decisions.
• Document methodology clearly and explain technical work to non-technical audiences.

Qualifications

• At least 3 years in a data science or quantitative modelling role, with a track record of building and validating predictive models.
• Strong Python and SQL, with practical experience across classification, regression and ideally survival analysis.
• Confidence working with messy, real-world data drawn from multiple source systems.
• A clear communicator who can explain models, and their limitations, to a business audience.
• Genuine curiosity about the credit domain and a drive to build, not just analyse.

Additional Information

What to expect from us?

• A friendly culture that reflects our proposition to customers.
• A fast-growing organization that defines itself as agile and innovative.
• A drive for continuous improvement, which will give you the opportunity to support from day one.
• A commitment to building a work environment that values inclusivity, innovation, agility and grit.

And, of course, competitive pay, a potential bonus, and a good range of basic benefits including hybrid working, real autonomy and the chance to help build a new data science capability within Credit from the ground up.

#LI-JW1

Diversity, Equality & Inclusion at Radius

Our global DEI networks champion LGBTQ+ inclusion, cultural diversity, women’s empowerment and mental health, neurodiversity and disability support.

We also offer:

• Global Female Health Policy & Female Health Champions
• Pregnancy Loss and Fertility Treatment Policies
• Endometriosis Friendly Employer (UK)
• Women-focused gym & female health events
• Mental Health First Aiders
• Disability Confident Committed Employer (Level 1)
• Race at Work Charter signatory
• Proud sponsor of Crewe Pride (5 years running) and Cheshire Pride Awards Corporate Supporter 2025
• Community network driving charity and volunteering initiatives, with 8 consecutive years of participation in the UK Challenge.
• Give as you earn scheme (payroll giving) and match funding

Next Steps

If you feel we are a good match for each other, you can apply online now!

If you’d like to understand more about the role or life at Radius before applying, then please contact our talent team directly.

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.

We are committed to ensuring an inclusive and accessible recruitment process for all candidates. If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.

We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.

Note to recruitment agencies:

We do not accept speculative recruitment agency CVs or profiles. Any unsolicited CV received by Radius will be treated as a gift and not eligible for an agency fee.

PSL agencies should only send CVs via our Applicant Tracking System, when approved to do so by the Radius Talent Team.