data
Posted May 13Senior Data Scientist, Fraud Prevention
at GoCardless
Lisbon, PortugalOn-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.
- 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.
- 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.