Data Scientist - Third-Party Acquisition

As the Data Scientist in 3PA Germany, you'll work out what the data says about both channels. Experiment design and statistical modelling on tabular data take up most of your time, with some machine learning. You'll turn what you find into recommendations, and work through them with the team's commercial and product colleagues. You'll decide which questions are worth answering first, and how to answer them.

You'll influence which businesses the team reaches, how they convert, and on what terms. You'll join the analytics guild - iwoca's data science community - and share methods with data scientists in the UK broker and partner teams, who work on similar questions.

• Funnel experiments. Designing and analysing controlled experiments across the broker and partner funnels, including where clean randomisation is hard.
• Pre-qualification. Developing the model that shows partner customers what they could borrow before they apply.
• Take-up and lifetime value. Modelling what makes a business take up an offer, and what raises its lifetime value.
• Competitive position. Working out why businesses that come through brokers and partners choose iwoca over other lenders, and testing changes to the journey that win more of them.
• Offer terms. Exploring how our lending product terms affect conversion in the broker channel, and using the results to inform product and risk decisions

• Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics.
• Causal inference and experimentation. You've designed and analysed experiments, and estimated causal effects from observational data. You know where A/B testing breaks down and what to reach for instead.
• Commercial judgement. You understand the business behind each question, and turn data into recommendations people act on.
• Analytical ownership. You take loosely defined problems from start to finish - framing the question, choosing the approach, and seeing it through to a decision.
• Coding for analysis. You write code to explore and model data. The team works in Python, and R is fine to start with.
• AI leverage. You've used AI to produce work you couldn't have delivered without it - an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.
• Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and product roles.

• Bayesian methods. You understand Bayesian statistics, and you've applied hierarchical models or are keen to.
• Machine learning. You've built or adapted ML models, and you're curious about the maths behind them.
• Lending knowledge. You know how lenders price loans or assess credit risk.
  You'll design experiments and build models that shape how iwoca grows through brokers and partners in Germany. You'll set the approach and see your work open up finance for thousands of small businesses.

We expect to pay from £70,000 to £90,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

• Flexible working hours.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service (separate from Vitality) for you, your partner, and your dependents.
• 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
• A one-month, fully paid sabbatical after four years.
• Instant access to external counselling and…