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About the Role
As a Senior Data Scientist within our Payment Intelligence team, you’ll partner with Software Engineers, Product Managers, and Designers to turn big ideas into reality. You’ll own the full lifecycle of our algorithms, shaping everything from the initial concept to production-ready code that powers our global payment network. Our stack is centered around Google Cloud Platform and Vertex AI, providing a high-performance environment for innovation. Our Data Scientists operate at the intersection of Python, SQL, and BigQuery to build and deploy high-performance models at scale.
Responsibilities
- Lead the end-to-end delivery of models at scale, from initial discovery and feature engineering to production, A/B testing and continuous monitoring.
- Collaborate with product and engineering peers to turn complex data into real-time, mission-critical fraud prevention solutions.
- Raise the team’s collective bar through hands-on technical leadership and knowledge sharing.
- Proactively research and integrate latest developments in ML and payer fraud prevention to drive innovation at GoCardless.
Requirements
- You hold a degree (or PhD) in a STEM discipline or an equivalent commercial experience.
- You bring hands-on experience with sophisticated architectures, such as deep learning, graph-based, or sequence-based models (experience in Fintech, Fraud Prevention, or Payments is a big plus).
- You can translate complex ML concepts into practical product solutions and communicate these ideas clearly to non-technical peers.
- You are comfortable owning the full lifecycle, from deep-dive analysis and feature engineering to prototyping, validation, and live A/B testing.
- You lead by example, writing clean, high-quality code and raising the team’s technical bar through knowledge sharing and code best practices.
Skills
- Python
- SQL
- BigQuery
- Google Cloud Platform
- Vertex AI
- Deep learning
- Graph-based models
- Sequence-based models
Location
- UK
- North America
- Europe
- Asia-Pacific
Work Type
- Full-time
Experience Level
- Senior
Education Level
- Degree in STEM discipline
- PhD in STEM discipline
Salary/Compensations
- £99,200 - £148,800
Benefits
- Dedicated support and medical cover
- Work away scheme (up to 90 days in any 12 month period)
- Adaptive Working
- Parental leave
- Annual learning budget
- Generous holiday allowance
- 3 annual volunteer days
- 4 annual business-wide wellness days
About the Company
- GoCardless, a Mollie company, is a global leader in bank payments.
- Over 100,000 businesses use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking.
- US$130bn+ processed annually across 30+ countries.
- Handles recurring and one-off payments without the chasing, stress, or expensive fees.
- End-to-end payment platform features AI-powered solutions to improve payment success and reduce fraud.
- Connections to over 350 platforms businesses use everyday.
- Headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific.
- Mollie is the leading payments and financial services partner for business, rooted in Europe, with global reach.
- Values: Start with why, act with integrity, care deeply, be humble.
- Committed to reducing environmental impact.
Equal Opportunity
- As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.
- Proportion of GeeCees providing diversity data increased to 88%.
- Diversity within GoCardless: Asian, Black, Mixed or Other — 25%, Neurodiverse — 9%, LGBTQIA+ — 9%, Disabled — 1%, Average age — 33, Female — 45%, Male — 55%.
- GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can.
- Employee Resource Groups and objectives available.
- Sustainability action plan available.