Senior Data Scientist - Credit 

Oodle is one of the fastest growing fintech companies in the UK. Our technology is powering a revolution in automotive finance directly impacting people's lives by enabling the fairest, quickest and most customer-centric motor finance products available to car buyers in the UK. At Oodle we are working hard to disrupt the car finance market. At Oodle we see Data Science as pivotal to being able to differentiate our customer proposition and be able to disrupt the UK Auto Finance market.

We are now looking for a Data Scientist with significant credit decisioning experience to add vital SME experience to our Data Science team. In exchange, we'll provide all the support to drive your career forward and take on a role of Lead Data Scientist. There is an abundance of exciting and challenging projects to get your hands on! If you love owning your work, love data and driving business outcomes then come and join us in our fun and exciting journey!You will ideally be based in our London office which is located close to Kings Cross Station, although you can work from our Oxford HQ. We operate a hybrid working pattern, but don't stiupulate when you work from home or the office, do what ever you feel benefits you and the job. The best of both worlds, collaborate face to face with your team when needed, and otherwise work from whereever you like!

What You'll Do:

At Oodle we run cross-functional teams, and so you will work within the Loan Processing (Credit) team to achieve our business objectives, while also sit in the Data Science function. The Loan Processing team owns the systems and decision algorithms that process loan applications and make accept/decline, pricing, affordability, income verification and financial crime decisions. Data Scientists are central to the team, and they own the development of the algorithmic decision processes that sit behind our loan processing system. As part of this job family, you will be:

• Designing and deploying credit decision processes using both analytical, statistical and machine learning techniques to improve customer & commercial outcomes.
• Taking ownership of the customer acquisition funnel & new origination performance, driving profitability of the business as a result.
• Deriving insights from credit bureau and customer data, turning them into actionable plans and carrying out those plans out to the end.
• Communicating such insights and processes to different business partners, developers, operations teams, and management.
• Contributing to how the data analysis and technology stack is structured to suit the data science team in the future.
• Willing to go deep and try things out, be it potential new analytics; an opportunity with new datasets; new analysis techniques or new analysis-related tools.

Who you are:

• Professional experience working within the credit risk industry, preferably in UK consumer lending, with demonstrable experience in designing credit strategies and associated analytics.
• Excited to be a leading individual contributor by being hands-on in data wrangling, conducting insight analysis and statistical modelling.
• Experience in driving new projects end-to-end, from design phase to production.
• Experience in SQL, programming in Python or other object-oriented languages with understanding of software development life cycle.
• Solid understanding of regression and classification principles.
• A naturally inquisitive person who loves working with data to solve complex problems.

Desirable experience:

• Experience of working with bureau data a major plus.
• Experience of building credit scorecard.
• Experience mentoring junior team members and managing other Data Scientists.
• Successfully completed a quantitative subject to degree level or above.

What you can expect from Oodle:

Oodle have a dedicated People experience team that are dedicated to making your time with us as safe, fun, and productive as possible. There are no limits to the support you will receive at Oodle, but here are the main benefits and perks you can expect:

What we offer:

• Bonus (Discretionary)
• Share Options for Top Performers
• Pension (9% non-contributory)
• AXA Healthcare with Family cover
• Death in Service Benefit(Salary x 4)
• Salary Sacrifice Electric Car Scheme via Tusker
• 25 days holiday (plus bank holidays)
• Oodle Academy - Full training and development.
• Flexible Working Policy

Perks and other extras

• Paid day off to Volunteer with our nominated charity - Rewilding Britain
• Seasonal social events - including OodleFest our summer party for Oodlers and their families.
• Mentoring scheme
• Lean In Circle
• Mental Health Support

About Oodle Top 100 Companies to work for in the UK 2020 and 2021!

Oodle Car Finance is changing the way people buy cars, by putting our customers' needs front and centre of the biggest retail market in the UK. We are bringing the used-car market bang up to date by building modern, digital, retail processes around what the customer actually needs. Although we primarily provide loans for our customers and link them up with some of the UK's best car dealers (in one rapid, blink-and-you-miss-it, digital procedure), that is just the start. Our ultimate goal is to make buying a car as easy as buying a t-shirt on Amazon. With a glove box full of powerful algorithms (and investment from some of the world's most reputable financial institutions) we have been building and developing a customer-first, fully integrated digital retail experience inspired by Amazon's one-click model. We're not quite there yet, but with our proprietary loan technology, machine learning, and Big Data infrastructure, we're shooting for the stars.

To help us achieve our ultimate mission to create a best-in-class consumer experience - where our customers reap the benefits - we are looking for exceptional individuals to join our team. Everyone at Oodle has an input on how we develop and how we change the game. We need outstanding people with buckets full of energy, desire, curiosity and a can-do attitude to thrive in a fast-paced and fun environment.

If this sounds like something you'd want to be part of, we'd love to hear from you

Lead Data Scientist - Credit 

Oodle is one of the fastest growing fintech companies in the UK. Our technology is powering a revolution in automotive finance directly impacting people's lives by enabling the fairest, quickest and most customer-centric motor finance products available to car buyers in the UK. At Oodle we are working hard to disrupt the car finance market. At Oodle we see Data Science as pivotal to being able to differentiate our customer proposition and be able to disrupt the UK Auto Finance market.

We are now looking for a Lead Data Scientist with significant credit experience to help us take our Data Science capability to the next level. There is an abundance of exciting and challenging projects to get your hands on! If you love owning your work, love data and driving business outcomes then come and join us in our fun and exciting journey! You can be based in our Head Office, in the Oxford Science Park, on the outskirts of Oxford or in our London Office which is located close to Kings Cross Station. There will be a mix of working from one of these locations and working from home.

What You'll Do:

At Oodle we run cross-functional teams, and so you will work within the Loan Processing (Credit) team to achieve our business objectives, while also sit in the Data Science function. The Loan Processing team owns the systems and decision algorithms that process loan applications and make accept/decline, pricing, affordability, income verification and financial crime decisions.  Data Scientists are central to the team, and they own the development of the algorithmic decision processes that sit behind our loan processing system. As part of this job family, you will be:

• Designing and deploying credit decision processes using both analytical, statistical and machine learning techniques to improve customer & commercial outcomes.
• Taking ownership of the customer acquisition funnel & new origination performance, driving profitability of the business as a result.
• Deriving insights from credit bureau and customer data, turning them into actionable plans and carrying out those plans out to the end.
• Communicating such insights and processes to different business partners, developers, operations teams, and management.
• Contributing to how the data analysis and technology stack is structured to suit the data science team in the future.
• Willing to go deep and try things out, be it potential new analytics; an opportunity with new datasets; new analysis techniques or new analysis-related tools.

Who you are:

• Professional experience working within the credit risk industry, preferably in UK consumer lending, with demonstrable experience in designing credit strategies and associated analytics.
• Excited to be a leading individual contributor by being hands-on in data wrangling, conducting insight analysis and statistical modelling.
• Experience in driving new projects end-to-end, from design phase to production.
• Experience in SQL, programming in Python or other object-oriented languages with understanding of software development life cycle.
• Solid understanding of regression and classification principles.
• A naturally inquisitive person who loves working with data to solve complex problems.

Desirable experience:

• Experience of working with bureau data a major plus.
• Experience of building credit scorecard.
• Experience mentoring junior team members and managing other Data Scientists.
• Successfully completed a quantitative subject to degree level or above.

What you can expect from Oodle:

Oodle have a dedicated People experience team that are dedicated to making your time with us as safe, fun, and productive as possible. There are no limits to the support you will receive at Oodle, but here are the main benefits and perks you can expect:

What we offer:

• Bonus (Discretionary)
• Share Options for Top Performers
• Pension (9% non-contributory) 
• AXA Healthcare with Family cover
• Death in Service Benefit (Salary x 4)
• Salary Sacrifice Electric Car Scheme via Tusker
• 25 days holiday (plus bank holidays)
• Oodle Academy - Full training and development.
• Flexible Working Policy

Perks And Other Extras

• Paid day off to Volunteer with our nominated charity – Rewilding Britain
• Seasonal social events - including OodleFest our summer party for Oodlers and their families. 
• Mentoring scheme 
• Lean In Circle
• Mental Health Support

About Oodle   Top 100 Companies to work for in the UK 2020 and 2021!

Oodle Car Finance is changing the way people buy cars, by putting our customers' needs front and centre of the biggest retail market in the UK. We are bringing the used-car market bang up to date by building modern, digital, retail processes around what the customer actually needs. Although we primarily provide loans for our customers and link them up with some of the UK's best car dealers (in one rapid, blink-and-you-miss-it, digital procedure), that is just the start. Our ultimate goal is to make buying a car as easy as buying a t-shirt on Amazon. With a glove box full of powerful algorithms (and investment from some of the world's most reputable financial institutions) we have been building and developing a customer-first, fully integrated digital retail experience inspired by Amazon's one-click model. We're not quite there yet, but with our proprietary loan technology, machine learning, and Big Data infrastructure, we're shooting for the stars.

To help us achieve our ultimate mission to create a best-in-class consumer experience - where our customers reap the benefits - we are looking for exceptional individuals to join our team. Everyone at Oodle has an input on how we develop and how we change the game. We need outstanding people with buckets full of energy, desire, curiosity and a can-do attitude to thrive in a fast-paced and fun environment.

If this sounds like something you'd want to be part of, we'd love to hear from you.

A globally recognized technology consultancy are looking for an experienced full stack Solution Architect (SA), with extensive experience building enterprise web applications. Do apply if you're the kind of person who thrives on a multi-faceted kaleidoscope of challenges, can think on multiple levels (business, architecture, execution), lead and collaborate with delivery team members, and communicate with technical and non-technical stakeholders.

This is a technology leadership role. SAs steward ideas through the sales process into development and delivery, assuming responsibility for all architectural decisions – often including languages, frameworks, and platforms. SAs are expected to bridge the divide between business interests and technology considerations.

Core responsibilities are rooted in three areas:

Presales: Working as part of a team, SAs are expected to:

• Build trust and credibility through their personalities and technical expertise.
• Help to shape a vision and create a solution to meet a client’s business needs.
• Estimate the development effort to create the envisioned solution.

Architecture: Leading a team of architects and developers, SAs:

• Working alongside business analyst and UX colleagues, transform high-level pre-sales solutions into viable, documented, technical architecture.
• Adapt architecture as needed in the course of Agile delivery.
• Support the delivery team in the early phases of development by creating a shared understanding of the technology direction.

Tech leadership/troubleshooting: SAs oversee the projects implementing their architectures by:

• Assisting developers on their projects with root cause analysis and remediation planning.
• Supporting project teams in times of challenge (estimation miss, architectural realignment, etc.) by providing advice and hands-on coding assistance.

Responsibilities also include:

• As part of our ongoing recruiting process, be a magnet for technology talent. We are looking for more than just your technical chops; we are looking for colleagues who bring their top game and leadership.
• Participate in our technology brain trust to help evolve our technology discipline and best practices.
• Keep a finger on the pulse of evolving technologies and contribute to ongoing technology steering.
• Explore products and platforms which can be leveraged, in combination with custom development services, to efficiently deliver business solution frequently needed by our clients.

Relevant Experience:

The SA is a rounded, seasoned professional with strong technical and communication skills. Beyond leading and working closely with our development teams, SAs will be required to work with UX Designers, Business Analysts, Sales, Engagement Management, as well as Client executives, subject matter experts, and engineering teams to ensure that projects are planned strategically and executed successfully.

• You must be a subject matter expert across several or all of the following stacks: MEAN, .Net, React/React Native, Angular, and/or Node.js. The typical maturation for this is 8-10 years, but if you’ve been a quick study and have the demonstrated expertise, the exact number of years is not critical.
• Experience using modern frameworks (React Native, etc.) to build mobile solutions is a plus.
• At least 3 years’ experience as Team Lead or Architect; this includes not only technical tasks such as work package breakdown, change impact analysis, etc., but also helping to ensure smooth team operations through timely application of soft skills and leadership to avoid or resolve counterproductive team dynamics.
• Experience working with distributed teams is a plus.
• At least 2 years in a client-facing role in technology or digital consulting environments.
• Senior-level expertise in DevOps across two of the following platforms: Azure, AWS, Google Cloud. You need to be better than our enterprise clients, since you may be their trusted DevOps advisor and sometimes their teacher.