Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.
At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.
We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.
The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters!
[Read our Impact Report] | [See our Trustpilot]
The role ⚡📍 London (Hybrid) | 🤝 3 days in the office | 💰 Competitive Salary + Benefits
You’ll make a real difference for our customers and your team from day one. We believe the fastest way to grow is by doing, so we give you the ownership to run with things and see real-time results.
We are looking for a Data Scientist to join us as we continue to evolve and build our next generation of models at Funding Circle. You will play a key role in developing, implementing and monitoring these models and drive significant value for the business.
Model Development: Develop statistical and machine learning models for commercial lending products.
Optimization: Deliver value through the optimization of current models and drive innovation by constantly seeking alternative data sources.
Communication: Communicate and present effectively, turning complex analysis into clearly articulated insights.
Problem Solving: Proactively problem-solve, identifying and mitigating any risks, issues, or control weaknesses in your day-to-day work.
Experimentation: Actively experiment with various frameworks for model optimization
We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.
As part of the Decision Science team, you will create cutting edge statistical and machine learning models and collaborate with data engineers, analysts, and business stakeholders. As well as improving on our previous generation models, we are expanding our borrower products so you will have the opportunity to develop completely new models.
Hands-on exposure to Machine Learning and model building (via professional experience, internships, or extensive academic projects).
Strong working knowledge of Python and SQL, alongside a keen interest in learning to apply AI techniques to real-world data problems.
A recent graduate with a Bachelors, Masters or PhD in a quantitative field or STEM-related subject (Mathematics, Finance, Economics, Physics, Engineering, etc.).
Strong problem-solving abilities using logical reasoning and analytical methods.
Passionate about Funding Circle’s values and mission to support businesses.
Able to take ownership of redesigning departmental workflows, using AI to automate complex tasks and drive operational efficiency
Competently able to Identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challenges
We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.
Why join us? 💜We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!
Our Circler Proposition focuses on five areas:
Flexibility: We provide a benefit allowance you can tailor to your own life and family.
Health: This includes private medical and dental, health assessments, and access to a digital GP.
Wealth: We offer life assurance, share schemes, and financial coaching.
Development: You get a dedicated annual learning allowance to help you level up.
Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.
We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.
Ready to join a mission that matters? We’d love to chat!Skills Required
- Hands-on experience with machine learning and model building (professional, internship, or academic projects).
- Strong working knowledge of Python.
- Strong working knowledge of SQL.
- Recent graduate with a Bachelors, Masters or PhD in a quantitative or STEM field (Mathematics, Finance, Economics, Physics, Engineering, etc.).
- Strong problem-solving abilities using logical reasoning and analytical methods.
- Ability to communicate and present complex analysis and insights effectively to stakeholders.
- Experience or ability to develop, implement, and monitor predictive models for lending products.
- Ability to redesign departmental workflows, apply AI to automate tasks, identify high-impact AI use cases, and implement advanced prompting techniques.
- Willingness and interest to experiment with various frameworks for model optimization and seek alternative data sources.
- Passion for Funding Circle's mission and values.
What We Do
Over the past ten years, Funding Circle has built a machine learning and technology platform that is changing the way small businesses access the financing they need to grow. Business owners can complete a loan application and receive a decision in a matter of minutes, enabling them to get funding quickly at an affordable rate. When small businesses succeed, they create jobs, support local communities, and drive the economy forward - that’s why we care about helping them win. To us, nothing is more important.
Why Work With Us
The traditional banking system is broken, so we’re building a better one. We’ve never been ones for the status quo. We believe in questioning convention, experimenting, innovating, and finding a better way. We believe in those made to do more, and that includes our employees. We seek and hire the best by providing great benefits, perks, and pay.
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