Data Scientist

About The Role

Go Car’s proposition to customers is a credit repair product, whereby we have developed the ability to confidently underwrite customers who are generally not served by other lenders. We use a combination of data science, technology and direct personal interaction at all stages of the customer lifecycle to ensure from first contact through to end of term that we’re providing the right product and generating the right outcomes for customers.

The Data Scientist role is responsible for extracting meaningful insights from complex data sets to inform strategic decision-making and drive business performance, with a particular focus on credit and pricing. The role combines statistical analysis, machine learning and data engineering techniques to solve business problems, improve processes, and support a data-driven culture across the organisation.

Using PowerBI, the role holder will enable colleagues across the business to gain valuable insights into their department’s performance and make decisions that both drive the performance of the business and achieve good outcomes for our customers.

Responsibilities

• Collect, clean, and validate large, structured and unstructured data sets from multiple sources
• Develop and deploy statistical models, machine learning algorithms, and predictive analytics solutions
• Translate business challenges into analytical problems and actionable insights
• Design and implement data pipelines and workflows to support analytics and reporting
• Communicate findings through compelling visualisations, dashboards, and presentations to non-technical stakeholders
• Collaborate with cross-functional teams
• Continuously monitor model performance and refine solutions to improve accuracy and impact
• Ensure data governance, privacy, and compliance with relevant regulations (e.g. GDPR) and apply the principles of Consumer Duty
• Stay up to date with emerging tools, techniques, and trends in data science and AI

What you need

• Strong knowledge of statistical methods, machine learning, and predictive modelling
• Advanced SQL and Excel
• Proficiency in programming languages such as Python or R
• Solid experience with data visualisation tools – preferably Power BI
• Familiarity with big data technologies (e.g. Spark, Hadoop) and cloud platforms (e.g. Azure, AWS)
• Understanding of data engineering principles and ETL processes
• Analytical thinking and problem-solving mindset
• Strong attention to detail and data accuracy
• Ability to communicate complex insights clearly to non-technical audiences
• Curiosity and continuous learning mindset
• Collaborative approach with strong stakeholder engagement skills
• At least 3 years of demonstrable experience in a data scientist role (financial services is preferred)
• Substantial experience focusing on credit performance and pricing is preferred
• MSc in relevant field is preferred

In return we offer

• Competitive salary

• Work-life balance – 37.5 hours per week, hybrid working from our Portsmouth or Warrington office with a level of flexibility that enables you to have a good work-life balance

• 25 days’ holiday plus bank holidays and a day off for your birthday (FTE)

• Wellbeing support – market leading EAP including 24/7 advice line, counselling for you and your immediate family, menopause support and virtual GP appointments, paid leave when you need it most (company sick pay, time off for medical appointments, emergency dependent leave, compassionate leave and fertility treatment leave)

• Financial support – financial coaching & support through our EAP, a discount platform access, car sharing scheme, discounted gym memberships, free flu vaccinations

• Positive culture with a sociable atmosphere, casual dress code, food and drinks provided in the offices at great business park locations

We encourage applications from people from all backgrounds to join our team at Go Car Credit. Just as our customers come from diverse backgrounds, so do we, and we treat our team and our customers as individuals – with respect and fairness. If this sounds like the role for you, please get in touch.

If this sounds like the role for you and you’d like to take advantage of working for a growing company, send your CV and a covering note to Careers@GoCarCredit.co.uk