Staff Data Scientist (Fraud & Risk)

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: 900000 UK andin India and growing rapidly
• Over $300 million raised in funding
• Over 2800 Tideans globally
• Recognised with Great Place to Work certification three years in a row and among Indias 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

As Staff Data Scientist for the Fraud & Risk area you will work closely with the Business Team Product Managers Data Governance team Analysts Scientists and Data Engineers in order to deliver Company Business and 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 and 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 youll 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 teamsetting 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.

• 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 and 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) and 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).
• Youre 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.

• Databricks on AWS/GCP
• Python
• Snowflake/Big Query
• Tecton/Databricks - feature store
• Fiddler - model observability platform

• 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 its time for a replacement.
• Snacks & Meals Office perks with snacks coffee tea and lunch (location dependent).

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 where we encourage regular in-person gatherings to foster a strong sense of community.

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 everyones 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 or 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 everyones voice is heard.

• Tide doesnotcharge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on ourCareers Pageand applications should be submitted through this channel.
• Communication from Tide will only come from an official@tide.coemail 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.

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