Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.

Job Description

As a Senior Risk Data Scientist at Checkout.com, you will play a critical role in the Risk Team, developing rules and models to effectively detect, prevent and manage risk within the overall Checkout.com portfolio.

About You

• Worked with large data sets in a data-driven environment.

• Used SQL skills to extract and model data from a variety of data sources.

• Programming language knowledge or experience (e.g. Python, R, Javascript) is essential.

• Strong understanding of credit risk principles and has worked in either payments or lending environments previously.

• Experience developing, maintaining and implementing PD, LGD, EAD models for ECL measurement purposes is preferred.

What you will be doing:

• Build and maintain data-driven risk identification processes.

• Devise advanced analytical methods to identify anomalies and patterns within large data sets.

• Developing and implementing Rating Scorecards, PD, LGD, EAD models.

• Maintain and optimise the current Credit Risk reporting system.

If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values.

Bring all of you to work

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram