Hands‑on Data Science Lead on a new engagement with a regulated UK & Ireland credit and lending company . The client has consolidated data from multiple business entities into a newly centralized, anonymized data lake and wants to turn it into validated risk analytics — delinquency, probability of default, credit‑policy insight — plus an executive‑facing natural‑language insight layer. This is a foundational data‑science build, not an agentic‑AI project . The early work is unglamorous and hands‑on: validating data nobody can yet vouch for, then building defensible models on top. You are the senior data scientist the client is missing — you do the work and own the methodology , while leading a small pod and acting as the human‑in‑the‑loop the client explicitly asked for.

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Stage

Pre‑contract / scoping (Phase 1 = current‑state a...