About the project (description, duration, stage)
Hands‑on Data Science Lead on a new engagement with a regulated UK & Ireland credit and lending company . The client has consolidated data from multiple business entities into a newly centralized, anonymized data lake and wants to turn it into validated risk analytics — delinquency, probability of default, credit‑policy insight — plus an executive‑facing natural‑language insight layer .
This is a foundational data‑science build, not an agentic‑AI project . The early work is unglamorous and hands‑on: validating data nobody can yet vouch for, then building defensible models on top. You are the senior data scientist the client is missing — you do the work and own the methodology , while leading a small pod and acting as the human‑in‑the‑loop the client explicitly asked for.
Stage : pre‑contract / scoping (Phase 1 = current‑state assessment + data validation). Duration : multi‑phase, multi‑quarter ambition with strong extension probability.
Reporting : Engagement lead / CTO (@Alex Honchar); leads the pod's Data Engineer(s)



and the client's offshore data team.
Full‑time engagement is preferable.
What you'll actually do (example tasks)
- Profile the anonymized lake hands‑on — interrogate tens‑of‑million‑row tables and reproduce and validate the team's existing descriptive statistics , so every number is traceable to source (the client cannot currently answer “how do you know that’s correct?”).
- Build and validate the core risk models yourself: PD, delinquency / roll‑rate, early‑warning, segmentation and scorecards (WOE / IV, logistic regression, gradient boosting).
- Stand up the model‑validation discipline that makes outputs audit‑defensible: train / test / out‑of‑time splits, Gini / AUC / KS, calibration, stability (PSI), backtesting and full model documentation.
- Define feature logic with the Data Engineer and write it yourself in SQL / dbt / Python ; specify the harmonized definitions the semantic layer must serve.
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📌 Data Science Lead (España)
🏢 Neurons Lab
📍 España