Senior Credit Risk Data Scientist

🏢 Wayflyer · 📍 London · 💼 hybrid · ⏰ FullTime

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Position Summary & Responsibilities

About Wayflyer

Today's small businesses need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer.

Our technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan.

You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The challenge

Wayflyer has deployed over $6bn in funding and we're not slowing down. Every credit decision we make is a bet on a business's real trajectory, and the models behind those bets need to get sharper and faster than they were yesterday. We're building the next generation of commercial credit, with AI running through every layer of the stack.

What you'll actually do

You'll own the full lifecycle of our credit risk models. We treat Machine Learning as a branch of software engineering here, so you'll write production-grade code, not just notebooks.

Lead the end-to-end build of credit risk models, treating ML as software engineering so everything you ship is fast, reproducible and robust.
Design modelling frameworks for decisioning, pricing and fraud that move company-wide P&L, not just a dashboard metric.
Build credit policies and lending strategies that expand our addressable market safely, pushing conversion and profitability up together.

Scientific integrity is non-negotiable. Model improvements need to be statistically significant, with no data leakage and no bias hiding in the numbers. You'll turn technical findings into business trade-offs leadership can act on, mapping ROC AUC straight to revenue and loss, and you'll set the bar for code quality: reviewing, mentoring, and contribu

🎯 Candidate Preparation Guide For Wayflyer Applicants

Key Role Competencies & Evaluation Highlights

Key Role Focus:

Evaluating exceptional quantitative underwriting instincts, revenue-based financing mechanics, and high-growth B2B SaaS analytics.

📋 Preparation Priorities (Key Areas to Clarify):

1. Relying on vanity metrics instead of hard cash-flow and payback period realities
2. Showing poor risk judgment or dismissing the importance of portfolio diversification
3. Inability to communicate complex financial data to non-technical merchants

✨ Recommended Role Alignment Hook:

I scale revenue-based financing portfolios by combining rigorous data-driven risk underwriting with hyper-efficient merchant acquisition.

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