Staff Data Scientist (Fraud & Risk)

• A BOUT TIDE
• At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting.
• Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.
• Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.
• Tide facts:
• Tide is available for UK, Indian, German and French SMEs
• Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,800 Tideans globally
• Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg

About The Role

• As Staff Data Scientist for the Fraud & Risk area, you will work closely with the Business Team, Product Managers, Data Governance team, Analysts, Scientists
• Data Engineers in order to deliver Company, Business
• Product OKRs. You will be at the forefront of addressing fraud globally for Tide, utilizing your deep expertise in classical Machine Learning to build and continuously improve models that detect and mitigate fraud.
• This role is an Individual Contributor (IC) position. You will spend most of your time dealing with highly imbalanced data use cases, data drift in pipelines
• identifying rapidly changing fraud patterns using classical ML. Some of your time will also focus on implementing and scaling production-ready GenAI and Agentic AI workflows. You will act as the Subject Matter Expert (SME) across the team, improving our technical standards.
• As a Staff Data Scientist you’ll be:
• Design and develop advanced predictive ML models tailored for global fraud detection, risk assessment, and anomaly detection.
• Design and develop production-grade GenAI and Agentic AI solutions (leveraging frameworks like LangGraph on AWS or GCP) to automate alert handling and accelerate fraud investigations.
• Tackling highly imbalanced datasets using advanced techniques, ensuring models optimize for real business impact (minimizing false positives while catching evolving fraud).
• Proactively identifying, measuring, and resolving data drift and concept drift in production pipelines to maintain continuous model performance.
• Presenting compelling insights and demonstrating strong storytelling skills to translate complex model outputs for non-technical stakeholders.
• Acting as the definitive technical IC and SME for the team—setting technical standards and reviewing architectures to push the boundaries of what "best" looks like.
• Collaborate with ML engineers to deploy models, establish CI/CD pipelines, and implement robust model tracking and observability.
• Partnering with Data Engineering to optimize feature engineering and feature stores for real-time and batch fraud decisioning.
• Working with Product and Business teams to translate complex fraud typologies and business requirements into rigorous mathematical formulations and data science problems.
• Build and track metrics for the performance of our models and their direct impact on the business bottom line, feeding this back to Product and Business Teams.
• Ability to deal with ambiguity and propose innovative solutions without getting blocked.
• WHAT WE ARE LOOKING FOR:
• You have 10+ years of experience in Data Science or Machine Learning, with a substantial portion of your career dedicated to fighting fraud or risk mitigation in a fast-paced environment.
• Individual Contributor: You are highly comfortable acting as a dedicated, fully hands-on technical IC and leading by example.
• Absolute SME in Classical ML: Deep, theoretical, and practical understanding of classical machine learning algorithms (e.g., XGBoost, LightGBM, Random Forests, SVMs, Ensemble methods) and statistical modeling.
• Deep Learning & Synthetic Data: Strong experience building adversarial models for fraud detection and working with synthetic data generation to bolster model robustness.
• Production GenAI & Agentic AI Experience: Hands-on experience taking GenAI and multi-agent systems to production (using tools like LangGraph, AWS Bedrock, or GCP ecosystem) that have delivered real, measurable ROI.
• Technical Eminence: Demonstrated technical inclination, such as submitting or publishing research papers at technical conferences, holding patents, or making significant open-source contributions, is highly advantageous.
• Mastery of Imbalanced Data: Extensive hands-on experience handling highly imbalanced datasets, utilizing appropriate sampling methods, cost-sensitive learning
• relevant evaluation metrics (Precision-Recall AUC, F1-score, custom loss functions).
• Drift & Observability: Strong hands-on experience detecting and addressing data drift, concept drift, and model degradation in production systems.
• Strong Engineering Background: You have good technical knowledge in SQL, strong in Python programming (including exposure to PyTorch and Hugging Face)
• a good understanding of performance optimization in the end to end data pipeline including ML/DS inferencing.
• You have a high level understanding of big-data technologies such as Spark, Hadoop etc. Strong knowledge of Cloud (AWS or GCP).
• You’re a self-starter who can work comfortably in a fast-moving company where priorities can change and processes may need to be created from scratch with minimal guidance.
• OUR TECH STACK (You don’t have to excel in all, but willing to learn them):
• Databricks on AWS/GCP
• Python
• Snowflake/Big Query
• Tecton/Databricks - feature store
• Fiddler - model observability platform
• WHAT YOU’LL GET IN RETURN:
• Competitive Compensation - competitive salary and share options
• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• Health Insurance – Private family insurance with additional OPD coverage and top-up options.
• Life & Accident Cover – Comprehensive accidental and life insurance protection.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days – Paid days annually for volunteering or personal growth.
• Learning & Development – Annual budget for books, courses, coaching, and more.
• WOO (Work Outside the Office) – Work from abroad for up to 90 days annually.
• Home Office Setup – Contribution towards setting up your home office
• Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement.
• Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).
• TIDEAN WAYS OF WORKING
• At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.
• While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building
• we encourage regular in-person gatherings to foster a strong sense of community.
• TIDE IS A PLACE FOR EVERYONE
• At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.
• We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.
• At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity
• disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.
• Disclaimer
• It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:
• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide .co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.
• If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
• Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.
• Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy .
• Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice .