Data Scientist

Are you ready to turn data into action and make a tangible impact? We’re looking for a skilled and driven Revenue & Debt Data Scientist to join a dynamic Credit Risk function. This is a unique opportunity to work at the forefront of credit risk analytics, helping shape smarter collections strategies, reduce bad debt, and improve outcomes for customers.

In this pivotal role, you’ll lead deep-dive analysis into customer portfolio trends, build predictive models, and support the transition to an enterprise data lake. Your insights will directly influence operational improvements, strategic decisions, and long-term financial resilience.

What you’ll do:

• Conduct root cause analysis of debt accumulation trends.
• Build and refine predictive models for credit risk and debt recovery.
• Develop and maintain SQL-based reporting solutions to drive actionable insights.
• Collaborate across teams to align data governance, infrastructure, and reporting needs.
• Embed analytics into strategic decision-making and champion data-driven thinking.

What we’re looking for:

• Proficient in SQL for querying, joining, and transforming large datasets.
• Experienced in data cleansing, validation, and predictive modelling.
• Strong in Python for statistical analysis and able to communicate insights to non-technical stakeholders.
• Proven experience in credit risk analytics, debt management, or financial modelling.
• Comfortable working cross-functionally and translating data into actionable strategy.
• Familiarity with cloud platforms such as Azure, AWS, or Google Cloud.
• Degree (or equivalent) in Data Science, Mathematics, Statistics, or a related field.

Desirable:

• Experience migrating from traditional databases to data lake architectures.
• Background in Financial Services or other regulated industries.
• Exposure to SAP/DM9 environments.
• Knowledge of machine learning techniques relevant to credit risk.

What we offer:

• Hybrid working flexibility (South West).
• Competitive salary of up to £54,000 per annum + benefits.
• Opportunities to work on high-impact projects that shape strategy and operations.

If you’re passionate about using data to drive decisions and make a difference, we’d love to hear from you - matt@cactussearch.co.uk