We are Creditspring, a new way of borrowing that focuses on its members and provides them with safe and efficient short-term financial products.

We're a fast-growing FCA-regulated consumer credit company. We have members, not customers and we take a lot of pride in that!

As one of the UK’s only subscription finance company in the market, we truly have a unique value proposition. Our mission is very clear; to improve the financial stability and resilience of our members. We do this through the products we provide, the partnerships we have, and our educational content. We want our members, and everyone in the UK to be able to better manage their finances and steer them away from high-cost, unregulated credit options.
 
About the role

We are seeking a highly experienced and visionary Senior Data Scientist & AI Specialist to join our Data and Analytics team. This is a senior individual contributor role, ideal for someone who thrives on solving complex problems, driving innovation, and applying advanced analytics and machine learning to real-world challenges.

You will lead the development of predictive models, AI-driven solutions, and data products that directly impact our members’ financial wellbeing. You’ll collaborate with cross-functional teams, mentor junior analysts, and help define the strategic direction of data science and AI at Creditspring.

Responsibilities

• Advanced Modeling & AI Development: Design, build, and deploy machine learning models and AI systems to support credit risk, member engagement, and operational efficiency.
• Strategic Data Leadership: Act as a thought leader in data science and AI, identifying opportunities for innovation and guiding the roadmap for data-driven initiatives.
• Cross-Functional Collaboration: Work closely with Product, Engineering, and Operations to translate business needs into scalable data solutions.
• Mentorship & Technical Guidance: Support and mentor junior data scientists and analysts, fostering a culture of learning and excellence.
• Data Infrastructure & Tools: Contribute to the development and optimization of our data pipelines, tooling, and infrastructure.
• Experimentation & Validation: Design and run experiments to validate hypotheses, measure impact, and continuously improve our models and algorithms.
• Ethical AI & Compliance: Ensure all AI and data science practices align with ethical standards and regulatory requirements.

What you'll need to succeed

• Proven experience in data science, machine learning, and AI, ideally in fintech or consumer credit.
• Strong programming skills in Python and SQL; familiarity with cloud platforms (e.g., AWS, GCP) and ML frameworks (e.g., TensorFlow, PyTorch, XGBoost).
• Deep understanding of statistical modeling, predictive analytics, and data engineering principles.
• Excellent communication skills and ability to influence stakeholders across technical and non-technical domains.
• Experience with Agile methodologies and working in cross-functional teams.
• Passion for financial inclusion and using data to drive positive social impact.
• Ability to work independently and take ownership of complex projects from ideation to deployment.

Don’t meet all the listed requirements? Research shows that women and people of underrepresented groups often don't apply for jobs unless they're 100% qualified. As an equal opportunities employer, we know that diversity is a key part of our teams' successes - so if your experience doesn’t fit perfectly but this role excites you, we’d love for you to apply. We’re committed to Creditspring being an inclusive environment where employees feel welcomed, valued and listened to; we want you to thrive as your true self.

Please note that the People Team is contactable only via people@creditspring.co. Unsolicited emails to other team members will not be actioned