We're working with a fast-growing financial technology company based in Abu Dhabi, UAE using AI and decision science to transform how businesses access and deploy growth capital. They're looking for a Senior Data Scientist to work at the intersection of financial-product research, AI and decision intelligence. You'll tackle ambiguous commercial problems across credit, lending and investment, turning complex financial data into models, insights and practical AI-powered solutions.
You'll work closely with investment, credit, treasury, Data Science and Engineering teams, helping identify where data and AI can create meaningful commercial advantage.
What You'll Do
- Research new financial domains, products and commercial problems to understand where data and AI can create value
- Identify, assess and structure relevant financial and alternative data sources
- Develop models and analytical approaches across areas such as credit scoring, risk assessment, cash-flow forecasting and portfolio analysis
- Take ambiguous problems from initial hypothesis through to MVP, validation and iteration




- Explore opportunities to automate financial and investment workflows using AI
- Build practical AI solutions, including LLM, RAG and agent-based workflows, where they add genuine value
- Translate complex quantitative analysis into clear recommendations, summaries and decision-support tools
- Present findings and recommendations to investment, credit and business stakeholders

What We're Looking For
- 6+ years of experience in Data Science, Quantitative Modelling or AI/ML
- Strong experience in a financial domain, ideally private credit, lending, underwriting, credit scoring, banking or risk
- Experience with areas such as default modelling, LGD, model validation, credit risk or fixed-income products is highly valuable
- Strong foundations in machine learning, statistics and data science
- Advanced Python and strong SQL skills
- Experience taking an ambiguous business problem and indepe

📌 Senior Data Scientist | Relocation to UAE (Santander)
🏢 Umatr
📍 Santander