Commercial Data Scientist

We’re Atom bank

The bank that’s on a mission to make finance faster, simpler and way more human.

We’ve ditched the stuffy banking model to build something that actually works for our customers, whenever and wherever they need us. To make this happen, we’re looking for like-minded people who can help us reach our goals and think differently.

If you’re ready to build the future of banking, we’d love to meet you.

We really value in-person collaboration so this role requires weekly time in our Newcastle office.

What will your ‘typical’ day look like? Different that’s for sure…:

Atom is looking for a Commercial Data Scientist to bridge the gap between our Data Science and Commercial Savings teams.

You won’t just be crunching numbers in a silo. Reporting to the Head of Savings, you will use sophisticated statistical modelling to understand customer deposit behavior, build price elasticity models, and directly inform our pricing and brand strategies. We need a storyteller who codes - someone who can build robust machine learning models and then clearly explain the “why” to non-technical stakeholders.

What you’ll be doing:

• Behavioural & Pricing Models: Design and develop sophisticated pricing and elasticity models to inform product development and competitive positioning.
• Forecasting & Production: Develop robust forecasting models for deposit balances and successfully deploy them into production environments.
• Commercial Impact: Identify stable funding sources to optimise the bank’s funding mix and support regulatory liquidity.
• Translating Data: Act as the bridge between technical and commercial teams, synthesising complex data into actionable insights for leadership.

What do we need from you?

• Deep proficiency in Python or R for statistical modeling and data manipulation.
• Proven experience not just building models on a desktop, but deploying them into production environments using software best practices.
• You ask “why,” challenge the status quo, and look beyond the surface of the data.
• Exceptional communication skills with the ability to translate complex statistical concepts for a non-technical audience.
• Financial services experience is great, but not required. If you have consumer pricing or elasticity experience from retail, telecoms, or other regulated industries, we want to hear from you.

What you’ll get from us?

• Salary of £45k
• Discretionary cash bonus based on company & individual performance
• 4-day work week
• Incredibly generous company pension scheme (maximum of 13% of Atom input – you can put in more)
• ‘All About Me’ fund: £200 per year to spend on personal development.
• 22.5 days annual leave plus public holidays
• Private Medical Insurance, Health Cash Plan & Life Insurance
• Enhanced Parental Leave
• Electric Vehicle Scheme

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship

Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will, take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.