The role is embedded day‑to‑day with the Spanish business, supporting local Strategy, Operations, and Pricing teams, while also collaborating closely with a broader Decision Science team that is predominantly based in the UK. Strong remote working practices and cross‑country collaboration are therefore essential.

The Decision Science team applies statistical modelling, machine learning and emerging AI techniques to:

• Understand, measure and predict customer behaviour across the credit lifecycle
• Optimise collections and customer treatment strategies
• Value portfolios of non‑performing or distressed assets through cash‑flow and cost projections
• Improve operational efficiency and customer outcomes through data‑driven decisioning

The successful candidate will deliver end‑to‑end analytical solutions that move from data exploration and modelling through to operational deployment and performance monitoring in live busines...