We are looking to hire a commerically minded data scientist.
About Carrington Labs
We are looking to hire a commerically minded data scientist.
About Carrington Labs
Carrington Labs, owned by ASX-listed Beforepay Group, helps lenders raise approval rates, reduce credit risk, and improve margins. Our platform combines bureau data with open-banking transactions to deliver transparent risk insights and loan-limit recommendations, supporting growth and financial inclusion.
Role summary
You will work in a cross-functional squad of data scientists, engineers, and product managers to create high-performing data products that deliver measurable financial outcomes for our B2B lending clients. This is not a back-office analytics role — you will design, build, and deploy models that directly influence client P&L. You will run proofs of concept, validate commercial impact, and work closely with clients and internal teams to ensure our solutions drive adoption, revenue, and performance improvements.
Responsibilities
* Design, build, and enhance Carrington Labs' predictive models for credit risk, loan limit recommendations, and other lending solutions, with a focus on measurable business impact.
* Collaborate with data engineers, product engineers, and product managers to turn modelling capabilities into integrated, market-ready products.
* Conduct proofs of concept with clients to demonstrate uplift, validate value, and refine models based on real-world lending performance.
* Translate analytical outputs into commercial insights that support product positioning, sales conversations, and client decision-making.
* Partner with product managers to prioritise modelling efforts based on potential revenue lift, risk reduction, and client demand.
* Implement robust model monitoring to track performance against KPIs such as approval rate lift, default rate reduction, and margin improvement.
* Work with engineering teams to ensure data quality, scalability, and low-latency deployment of models via APIs and real-time inference.
* Stay across lending market trends, regulatory changes, and new modelling techniques to keep our solutions ahead of the curve.
Requirements
* Masters, PhD, or equivalent in mathematics, statistics, computer science, engineering, or similar technical field.
* Strong proficiency in Python and SQL, with proven experience building, training, and deploying machine learning models in production.
* Demonstrable knowledge of supervised and unsupervised learning techniques and their application to lending and credit risk.
* Exposure to neural networks, transformers, and language models, with the ability to choose the right approach for commercial objectives.
* Familiarity with ML tools/frameworks such as Scikit-Learn, PyTorch, and Databricks or Spark.
* Experience working with large datasets, including open banking, bureau, and custom client feeds.
* Proven ability to link data science work to financial outcomes such as revenue uplift, margin expansion, or risk reduction.
* Strong communication skills — able to explain modelling decisions and results to non-technical stakeholders.
* Experience in credit risk or personal finance is desirable.
* Full Australian working rights are required; sponsorship may be considered for the ideal candidate.
What we offer
* A high-impact role where your work directly influences client financial performance and company growth.
* The opportunity to shape the future of Carrington Labs' data products and commercial modelling capabilities.
* Autonomy and ownership within a collaborative, cross-functional team.
* An inclusive, adaptable culture grounded in strong ethics.
* Workplace perks including kombucha and beer on tap, monthly company breakfasts, and regular team celebrations.
Seniority level
* Seniority level
Entry level
Employment type
* Employment type
Full-time
Job function
* Job function
Engineering and Information Technology
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