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, 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 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 fra