DataScientist

The role is **embedded day‑to‑day with the Spanish business** , supporting local Strategy, Operations, and Pricing teams, while also collaborating closely with a broader Decision Science team that is predominantly based in the UK. Strong remote working practices and cross‑country collaboration are therefore essential. The Decision Science team applies statistical modelling, machine learning and emerging AI techniques to: * Understand, measure and predict customer behaviour across the credit lifecycle * Optimise collections and customer treatment strategies * Value portfolios of non‑performing or distressed assets through cash‑flow and cost projections * Improve operational efficiency and customer outcomes through data‑driven decisioning The successful candidate will deliver end‑to‑end analytical solutions that move from data exploration and modelling through to operational deployment and performance monitoring in live business processes. **_Key Outcomes of the Role_** The successful candidate will: * Support the growth of the Spanish business, while benefiting from Group‑level standards, tools and expertise * Deliver hands‑on analytical projects from problem definition through to deployment and monitoring * Translate complex analysis into actionable, commercially viable recommendations * Ensure customer outcomes, fairness and experience are central to decision science work * Become a trusted analytical partner to Spanish stakeholders, while contributing to the wider UK‑based Decision Science team **Key Responsibilities** ** _Direct Responsibilities (Delivery)_** * Build strong working relationships with Spanish Strategy, Operations, Pricing and Data Engineering teams * Develop statistical, machine learning and (where relevant) LLM‑based models to agreed objectives and timelines * Develop deep understanding of Spanish data sources * Translate analysis into commercially viable and operationally realistic recommendations * Work with business and technical teams to ensu