Senior Data Scientist, Payment Intelligence

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. Data sits at the core of our mission. We leverage bank account data to deliver high-value, intelligent payment solutions for our customers, from enhancing payment success rates to driving payer fraud prevention. As a Senior Data Scientist within our Payment Intelligence team, you’ll partner with Software Engineers, Product Managers, and Designers to turn big ideas into reality. You’ll own the full lifecycle of our algorithms, shaping everything from the initial concept to production-ready code that powers our global payment network.

Responsibilities

Lead the end-to-end delivery of models at scale, from initial discovery and feature engineering to production, A/B testing and continuous monitoring; Collaborate with product and engineering peers to turn complex data into real-time, mission-critical fraud prevention solutions; Raise the team’s collective bar through hands-on technical leadership and knowledge sharing; Proactively research and integrate latest developments in ML and payer fraud prevention to drive innovation at GoCardless

Requirements

Degree (or PhD) in a STEM discipline or equivalent commercial experience; Hands-on experience with sophisticated architectures, such as deep learning, graph-based, or sequence-based models; Ability to translate complex ML concepts into practical product solutions and communicate these ideas clearly to non-technical peers; Comfortable owning the full lifecycle from deep-dive analysis and feature engineering to prototyping, validation, and live A/B testing; Leads by example, writing clean, high-quality code and raising the team’s technical bar through knowledge sharing; Python; SQL; BigQuery; Google Cloud Platform; Vertex AI

Nice to have

Fintech; Fraud Prevention; Payments

Benefits

Wellbeing - stay healthy with dedicated support and medical cover; Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period; Adaptive Working - allows you to work flexibly, around your lifestyle; Parental leave - to suit everyone embarking on life's great adventure; Learning Budget - lead your own development with an annual learning budget; Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)