Data Scientist (Es Remote)

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 ensure models are effectively deployed into live decision‑making
Identify opportunities to enhance modelling approaches and analytical tools used across CCM
Shared Accountabilities (Influence & Collaboration)
Promote sound analytical methodologies and development standards across projects
Contribute to realistic project planning and prioritisation
Support initiatives to improve data quality and analytical capability within the Spanish business
Coordinate with UK‑based Decision Science colleagues and Data Engineering to support operational implementation
Personal Attributes
A creative, structured problem solver
A confident communicator able to explain complex ideas clearly to non‑technical audiences
Comfortable working with geographically distributed teams
Curious, adaptable and motivated to learn
Education & Certification
Degree in a numerate discipline or equivalent professional experience
Post‑graduate qualification (MSc or PhD) preferred but not essential
Relevant technical certifications (Python, SQL, cloud platforms, AI/LLMs) are desirable
Knowledge & Experience
Essential
Python and SQL for data analysis and modelling
Regression and tree‑based methods (e.g. linear/logistic regression, GBM, random forest)
Advanced Excel skills, including data validation and analytical modelling
Desirable
Experience with Azure, Databricks or similar cloud platforms
Exposure to LLMs (prompting, evaluation, or applied use cases)
Experience working with collections, recoveries or distressed debt data
Knowledge of GDPR and data governance
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