data
Posted May 13Senior Data Scientist, Fraud Prevention
at GoCardless
London, United KingdomOn-site
Responsibilities
- Design and refine real-time ML systems that reduce false positives and ensure a smooth, secure
- Foster a responsive feedback loop , adapting models as patterns evolve to ensure our defences remain robust and effective.
- Support the team’s growth through technical mentorship, knowledge sharing, and a commitment to high-quality code. What excites you
Requirements
- Over 100,000 businesses , from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.
- We use AI-powered solutions to improve payment success and reduce fraud.
- At GoCardless, our Fraud Prevention team develops the intelligent systems that protect our platform, our merchants, and their customers.
- You’ll work at the intersection of machine learning, graph-based detection, and behavioural modelling to stay ahead of changing patterns turning research into production systems that make a tangible difference in the fight against financial crime.
- Our stack is centred around Google Cloud Platform and Vertex AI, using Python, SQL, and BigQuery to build and support high-performance models at scale. What you'll do
- experience for legitimate customers.
- Help shape the technical direction of fraud prevention ML at GoCardless, exploring new approaches as we grow globally.
- Strategic influence: Contributing to the ML roadmap and helping determine what we build next, rather than just how we build it.
- Modern Infrastructure: Building production-grade models on GCP and Vertex AI, with the flexibility to explore advanced architectures. What excites us
- You hold a degree (or PhD) in a STEM discipline, or bring equivalent depth through commercial experience. You have hands-on
- experience with modelling approaches such as deep learning, graph-based methods, or sequence models. While fintech
- You can translate complex ML concepts into clear, practical solutions for stakeholders across the business.
- Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.
- Find out more about Life at GoCardless via Twitter , Instagram and LinkedIn .
Benefits
- GoCardless processes US$130bn+ of payments annually, across 30+ countries ; helping customers collect and send both recurring and one-off payments , without the chasing, stress or expensive fees.
- Base salary range: £99,200 - £148,800
- Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role.
- Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
- Equity - all permanently employed GCs get equity to help you make a valuable contribution
- Parental leave - to suit everyone embarking on life's great adventure
- Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) Life at GoCardless
Additional details
- GoCardless is a global bank payment company.
- And, with open banking connectivity to over 2,500 banks , we help our customers make faster, more informed decisions.
- We are headquartered in the UK with offices in London and Leeds , and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.
- At GoCardless, we're all about supporting you ! We’re committed to making our hiring process inclusive and accessible .
- If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!
- And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! The role
- Fraud prevention is an ever-evolving puzzle, making it one of the most rewarding and impactful areas in fintech.
- As a Senior Data Scientist , you will guide the design and delivery of models that operate in real time across our global payment network.
- You’ll collaborate closely with Engineers, Fraud Analysts, and Product Managers to help shape the technical roadmap as we expand into new markets.
- Contribute to the full model lifecycle , from initial discovery and feature engineering through to production, experimentation, and continuous monitoring.