Data Scientist

This role is for a commercially minded Data Scientist in the Group Decision Science team.

Our Decision Science team focus on:

• Understanding, measuring, and predicting customer behavior. The team uses both empirical and machine learning techniques to answer questions about customer behaviour in order to optimize collections.
• Asset valuation, cash flow and cost projections for portfolios of typically non-performing or distressed assets.

Key Accountabilities & Responsibilities

• Responsible for work streams on projects to deliver statistical and empirical analytics.
• Data warehouse interrogation, data collection, sample selection and preparation.
• Statistical model building to agreed objectives and deadlines.
• Look for innovation in Cabot Credit Management statistical modeling techniques, which this role would also contribute to.
• Understand consumer behavior relating to the services provided by Cabot Credit Management.
• Work with other teams and departments to ensure modeling output is effectively deployed into the business.

Knowledge & Experience

• Highly numerate and detail oriented.
• Good understanding of the retail credit industry lifecycle.
• 2 years minimum work experience in an analytical role.
• Good knowledge of regression/tree-based algorithms.
• An appreciation of different modeling techniques and the circumstances in which they apply.
• Experience in deployment, auditing and monitoring live models.
• Competent using some ETL and statistical software (e.g. SAS, Python, R, SQL).
• Experience in azure or databricks is desirable.

Person specification:

Formal Education & Certification:

• Numerical degree or evidence of equivalent certification, post graduate numerical degree is preferred (MSc Degree or PhD).
• Technical Certification in interrogation software is preferred (SAS, R, Python, SQL).
• English – High level. The location is Spain, but reporting will be directly to the UK.

Personal Attributes:

• Be a creative problem solver.
• Be a confident communicator.

What you can expect as a Data Scientist:

• Permanent.
• Hybrid role.
• Offering a competitive salary and a fantastic bonus scheme.

Working for Cabot:

We’re passionate about the ethical treatment of our customers and employees. Our mission is to create pathways to economic freedom. Our vision is to make credit accessible by partnering with our consumers to restore their financial health.

Diversity and inclusion are very important to us at Cabot, and we value a multitude of diverse talent within our business. We want everyone to be themselves at work and encourage a culture that includes everyone. Our policies ensure that every candidate and employee are treated fairly and with equal opportunities.