---
title: 'Staff Data Scientist at LemFi'
canonical: 'https://feeny.ai/job/staff-data-scientist-lemfi-london-rgb8ya5e3xn9'
type: 'job'
last_seen: '2026-09-07'
---

# Staff Data Scientist at LemFi

- **Company:** LemFi
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-17
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.ashbyhq.com/lemfi/46b3817d-1394-4050-bf40-67040b8483fc

## Job description

LemFi (Series B) is building the go-to financial app for the Global South.

Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.

What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.

With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.

## ABOUT THE ROLE

LemFi's Credit function is one of the most consequential bets we are making as a business. We lend to customers the traditional financial system has largely ignored, and getting that right - at scale, responsibly, across multiple markets - demands serious data science. As Staff Data Scientist for Credit, you sit at the centre of that effort: partnering across Credit Risk, Product, Engineering, Analytics, and Commercial to shape how we underwrite, monitor, and grow lending. Your models will run in production. Your recommendations will land in the room where senior leadership decides risk appetite and market expansion.

This is not a research role. It is a high-ownership, high-consequence position for someone who wants their work to show up in portfolio performance, approval quality, and customer outcomes - not just in a notebook. You will set the technical and scientific standard for credit decisioning at LemFi, mentor the data scientists and analysts around you, and help the business grow its credit products responsibly.

## WHAT YOU'LL BUILD AND OWN

- Own end-to-end data science strategy for Credit, from underwriting and pricing to collections optimisation and lifecycle decisioning, surfacing the highest-value opportunities and driving them to production.
- Design, train, validate, and iterate on predictive models (probability of default, loss estimation, segmentation, fraud interaction) using machine learning and statistical methods calibrated to a regulated, real-world environment.
- Work with Data Engineering and Software Engineers to productionise models cleanly: features, decision logic, versioning, and monitoring all reliable and scalable before anything goes live.
- Build robust monitoring frameworks covering model performance, drift, fairness, and operational impact - with a high bar for explainability and governance that satisfies both internal and regulatory scrutiny.
- Partner with Product and Credit leaders to translate ambiguous business problems into measurable hypotheses, experiment designs, and decision proposals - using AI tooling to move fast without sacrificing rigour.
- Lead deep-dive portfolio analyses into repayment patterns, loss drivers, and customer segments, converting findings into concrete recommendations for senior stakeholders.
- Act as technical mentor and thought partner to analysts and data scientists, raising the bar on problem framing, methodology, and the quality of decisions the team produces.

## YOUR EXPERIENCE

- Significant hands-on experience in data science or quantitative decisioning, with meaningful time in consumer credit, lending, fintech, or another risk-heavy environment where model quality has direct financial consequence.
- Strong fluency in Python and SQL for model development, feature engineering, analysis, and production-grade investigative work.
- Deep track record building and evaluating predictive models in production: feature pipelines, validation design, calibration, monitoring, and full lifecycle management.
- Solid grounding in credit risk concepts and portfolio metrics - probability of default, loss behaviour, bureau and alternative data - and the practical judgement to apply them in a fast-moving startup.
- Experience partnering with engineering teams to deploy decisioning or ML systems into live products, not just offline research environments.
- A clear record of turning analytical work into measurable commercial or risk outcomes: improving approval quality, reducing losses, increasing conversion responsibly, or sharpening collections strategy.
- Confident operating at staff level in ambiguity: setting direction without fully defined scope, influencing senior stakeholders, and improving systems through judgement.

## NICE TO HAVE

- Experience with bureau data integrations or alternative data sources in emerging or frontier markets.
- Familiarity with explainability frameworks (SHAP, LIME) and regulatory expectations around model governance in consumer lending.
- Prior experience in a high-growth fintech or startup where you have had to balance scientific rigour with speed of iteration.

WHY JOIN LEMFI?

Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.

At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.

You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.

## About LemFi

## Company Overview
- **One-liner**: LemFi is a financial technology company that provides multi-currency wallets and international payment services tailored for immigrants and the Global South.
- **Entity Type**: Private (Venture Capital-Backed)
- **Headquarters**: Toronto, Canada (also has offices in Oakland, California and London, UK)
- **Founded**: 2020
- **Founders**: Not publicly listed on the main company page, but former known as Lemonade Finance.

## Core Business
- Primary industry: Financial Services / FinTech (International Payments and Remittances)
- Target customers: B2C — primarily immigrants and diaspora communities, with a focus on serving the Global South. They also offer B2B capabilities for international payment needs.
- Mission/Purpose: *"To improve the financial life of the next generation of immigrants."* The company focuses on solving the financial hurdles people face when moving to a new country.

## Products & Services
- **International Money Transfer**: Send money to 30+ countries with zero transfer fees and competitive exchange rates.
- **Multi-Currency Wallet**: Open and manage accounts in multiple currencies, with the ability to convert and hold funds.
- **Request Money**: Send payment requests or share a payment link for easy collections.
- **eSIM**: "Instant Connection, Anywhere you go" — providing mobile connectivity services for travelers and immigrants.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metric**: Total funding raised of approximately **$85.6M** (per PitchBook).
- **Customers**: Over **1,000,000+ customers** as of their last update.
- **Notable Investors/Partners**: Backed by 45 investors including **Armyn Capital, Endeavor Catalyst, Highland Europe, Silverbacks Holdings, and Stonewater Ventures**. They have partnerships with Visa (cross-border payments), ClearBank (agency banking services), and have recently hired former OPay COO, Allen Qu, to lead China expansion.
- **Growth Signals**: 
  - Headcount growth: Over 200+ employees (300 per PitchBook, 121 on Built In).
  - Expanded to serve China and South Asia.
  - High-growth trajectory with a focus on remittance-heavy corridors (UK, US, Canada).
- **Recent Deal**: Merged with Pillar (Financial Software) in June 2025 (per PitchBook).

## Competitive Advantages
- **Zero Fees**: Zero transfer fees and competitive exchange rates are a key differentiator in the remittance market.
- **Laser Focus on Immigrants**: The company's entire product suite is designed around the immigrant experience (multi-currency wallets, requests, eSIM) rather than being a general money transfer app.
- **Speed**: "Usually delivered in minutes" — faster than traditional remittance services.
- **Strong Backing**: A large, high-quality investor base (45 investors) and strategic partnerships (Visa, ClearBank) provide a solid moat.
- **Experienced Team**: Team members come from top companies including Monzo, Opera, Kraken, Kaufland, Uber, and Andela.

## Strategic Focus
- **Global Expansion**: Explicit focus on entering China, South Asia, and other key corridors for immigrants.
- **Product Ecosystem**: Moving beyond simple transfers into multi-currency wallets, payment requests, and mobile connectivity (eSIM).
- **Scale Infrastructure**: Hiring key leadership (VP of Growth, Head of Finance & Business Intelligence, VP of Cards) to professionalize operations and build for scale.
- **Partnerships**: Deepening relationships with Visa and banks to expand reach and capabilities.

## Why Work Here
- **Remote/Hybrid/Office**: The company supports a hybrid and remote work model. Offices in Oakland (US), London (UK), and Toronto (Canada).
- **Culture & Perks**: Described as a high-growth, mission-driven environment building a product for a tangible impact on immigrants' lives.
- **Team Size & Growth**: The company is on a strong growth trajectory (from 121 to 300 employees in a short period), offering significant upside for early employees.
- **Engineering & Product Focus**: The team includes roles like VP of Cards and Head of Infrastructure, suggesting a strong technical spine.
- **Diverse Locations**: Opportunities to work in Canada, the UK, the US, Nigeria, and the Philippines, reflecting a truly global operation.

## Sources
1. [lemfi.com](https://lemfi.com/)
2. [lemfi.com/en-at/about](https://lemfi.com/en-at/about)
3. [jobs.ashbyhq.com/lemfi](https://jobs.ashbyhq.com/lemfi)
4. [builtin.com/company/lemfi](https://builtin.com/company/lemfi)
5. [pitchbook.com/profiles/company/458201-62](https://pitchbook.com/profiles/company/458201-62)

## Other roles at LemFi

- [MLRO, Ireland (PCF-52)](https://feeny.ai/job/mlro-ireland-pcf-52-lemfi-dublin-0c32zy4g4pwk) — Dublin, Ireland
- [Head of Operations - Ireland (COO - PCF-42)](https://feeny.ai/job/head-of-operations-ireland-coo-pcf-42-lemfi-dublin-t1gqmnbwxsmx) — Dublin, Ireland
- [Growth Manager - US to Ghana](https://feeny.ai/job/growth-manager-us-to-ghana-lemfi-united-states-nv5xmt3n4xrt) — United States
- [Head of Credit Finance](https://feeny.ai/job/head-of-credit-finance-lemfi-london-yvzcpdrhmram) — London, United Kingdom
- [People Operations Coordinator](https://feeny.ai/job/people-operations-coordinator-lemfi-london-7geaaqx9pn1g) — London, United Kingdom
- [Senior Accountant - LemFi Europe](https://feeny.ai/job/senior-accountant-lemfi-europe-lemfi-dublin-77k2tg0hw6hk) — Dublin, Ireland
- [Senior Manager, Collections](https://feeny.ai/job/senior-manager-collections-lemfi-london-5smcggracvg0) — London, United Kingdom
- [Security Engineer](https://feeny.ai/job/security-engineer-lemfi-london-mjp9jze6zdfr) — London, United Kingdom
- [Reconciliation Specialist](https://feeny.ai/job/reconciliation-specialist-lemfi-united-kingdom-y03fz7z174j7) — United Kingdom
- [Senior Reconciliation Specialist](https://feeny.ai/job/senior-reconciliation-specialist-lemfi-united-kingdom-mx9qxjakhwd9) — United Kingdom